Call reports 2007
BANK OF HYDRO — 2007
What BANK OF HYDRO 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 | 82,543,000 | 83,934,000 | 81,810,000 | 84,481,000 |
| Total loans | 72,436,000 | 74,673,000 | 74,988,000 | 76,917,000 |
| Allowance for loan losses | 729,000 | 772,000 | 817,000 | 839,000 |
| Securities available for sale | 662,000 | 638,000 | 617,000 | 594,000 |
| Securities held to maturity | 656,000 | 653,000 | 651,000 | 348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,906,000 | 60,379,000 | 60,171,000 | 63,021,000 |
| Interest-bearing deposits | 49,235,000 | 49,637,000 | 49,699,000 | 50,075,000 |
| Noninterest-bearing deposits | 11,671,000 | 10,742,000 | 10,472,000 | 12,946,000 |
| Equity capital | 7,764,000 | 7,853,000 | 7,936,000 | 8,024,000 |
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 | 1,549,000 | 3,176,000 | 4,808,000 | 6,363,000 |
| Interest expense | 640,000 | 1,315,000 | 2,007,000 | 2,669,000 |
| Net interest income | 909,000 | 1,861,000 | 2,801,000 | 3,694,000 |
| Noninterest income | 103,000 | 211,000 | 314,000 | 495,000 |
| Noninterest expense | 488,000 | 913,000 | 1,345,000 | 1,778,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 479,000 | 1,069,000 | 1,635,000 | 2,231,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 479,000 | 1,069,000 | 1,635,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,755,000 | 7,844,000 | 7,928,000 | 8,017,000 |
| Total capital | 8,484,000 | 8,616,000 | 8,745,000 | 8,856,000 |
| Risk-weighted assets | 69,670,000 | 76,691,000 | 75,806,000 | 76,239,000 |
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