Call reports 2007
TOUCHSTONE BANK — 2007
What TOUCHSTONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 155,440,000 | 154,102,000 | 156,106,000 | 161,191,000 |
| Total loans | 103,603,000 | 104,597,000 | 107,464,000 | 107,028,000 |
| Allowance for loan losses | 1,016,000 | 879,000 | 879,000 | 925,000 |
| Securities available for sale | 24,579,000 | 27,532,000 | 28,288,000 | 28,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,809,000 | 121,463,000 | 122,881,000 | 127,519,000 |
| Interest-bearing deposits | 97,719,000 | 98,140,000 | 98,887,000 | 103,240,000 |
| Noninterest-bearing deposits | 25,090,000 | 23,323,000 | 23,994,000 | 24,279,000 |
| Equity capital | 17,293,000 | 17,518,000 | 18,064,000 | 18,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,398,000 | 4,809,000 | 7,321,000 | 9,854,000 |
| Interest expense | 941,000 | 1,934,000 | 2,968,000 | 4,030,000 |
| Net interest income | 1,457,000 | 2,875,000 | 4,353,000 | 5,824,000 |
| Noninterest income | 354,000 | 801,000 | 1,189,000 | 1,554,000 |
| Noninterest expense | 1,382,000 | 2,768,000 | 4,161,000 | 5,512,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 82,000 |
| Pretax income | 497,000 | 956,000 | 1,398,000 | 1,851,000 |
| Income tax | 148,000 | 285,000 | 418,000 | 558,000 |
| Net income | 349,000 | 671,000 | 980,000 | 1,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,563,000 | 17,885,000 | 18,195,000 | 17,987,000 |
| Total capital | 18,439,000 | 18,624,000 | 18,934,000 | 18,772,000 |
| Risk-weighted assets | 111,009,000 | 112,867,000 | 116,193,000 | 115,914,000 |
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