Call reports 2007
SAVINGS BANK — 2007
What SAVINGS 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 | 69,631,000 | 71,697,000 | 72,000,000 | 76,340,000 |
| Total loans | 55,963,000 | 57,936,000 | 58,106,000 | 62,045,000 |
| Allowance for loan losses | 479,000 | 516,000 | 567,000 | 592,000 |
| Securities available for sale | 6,216,000 | 6,117,000 | 6,262,000 | 6,052,000 |
| Securities held to maturity | 4,014,000 | 3,938,000 | 3,936,000 | 4,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,192,000 | 59,712,000 | 60,361,000 | 68,505,000 |
| Interest-bearing deposits | 51,553,000 | 54,346,000 | 55,381,000 | 61,285,000 |
| Noninterest-bearing deposits | 4,639,000 | 5,366,000 | 4,980,000 | 7,220,000 |
| Equity capital | 5,725,000 | 5,690,000 | 5,922,000 | 6,116,000 |
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 | 1,202,000 | 2,439,000 | 3,730,000 | 5,044,000 |
| Interest expense | 640,000 | 1,330,000 | 2,031,000 | 2,723,000 |
| Net interest income | 562,000 | 1,109,000 | 1,699,000 | 2,321,000 |
| Noninterest income | 33,000 | 85,000 | 116,000 | 160,000 |
| Noninterest expense | 325,000 | 715,000 | 1,123,000 | 1,582,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 244,000 | 419,000 | 602,000 | 796,000 |
| Income tax | 9,000 | 18,000 | 30,000 | 36,000 |
| Net income | 235,000 | 401,000 | 572,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,896,000 | 5,959,000 | 6,045,000 | 6,149,000 |
| Total capital | 6,375,000 | 6,475,000 | 6,612,000 | 6,741,000 |
| Risk-weighted assets | 57,371,000 | 59,586,000 | 60,788,000 | 64,061,000 |
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