Call reports 2007
ISLANDERS BANK — 2007
What ISLANDERS 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 | 156,161,000 | 173,154,000 | 179,621,000 | 176,485,000 |
| Total loans | 116,951,000 | 122,137,000 | 123,824,000 | 129,510,000 |
| Allowance for loan losses | 1,427,000 | 1,437,000 | 1,442,000 | 1,349,000 |
| Securities available for sale | 26,335,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 8,502,000 | 8,257,000 | 7,702,000 |
| Total deposits | 121,532,000 | 127,846,000 | 133,667,000 | 129,642,000 |
| Interest-bearing deposits | 82,148,000 | 86,385,000 | 89,098,000 | 88,179,000 |
| Noninterest-bearing deposits | 39,384,000 | 41,461,000 | 44,569,000 | 41,463,000 |
| Equity capital | 17,725,000 | 41,897,000 | 42,453,000 | 42,267,000 |
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 | 2,344,000 | 1,662,000 | 4,278,000 | 6,826,000 |
| Interest expense | 709,000 | 420,000 | 1,025,000 | 1,627,000 |
| Net interest income | 1,635,000 | 1,242,000 | 3,253,000 | 5,199,000 |
| Noninterest income | 309,000 | 247,000 | 594,000 | 901,000 |
| Noninterest expense | 1,229,000 | 963,000 | 2,482,000 | 4,059,000 |
| Provision for loan losses | 15,000 | 10,000 | 25,000 | 40,000 |
| Pretax income | 700,000 | 516,000 | 1,340,000 | 2,001,000 |
| Income tax | 195,000 | 173,000 | 441,000 | 650,000 |
| Net income | 505,000 | 343,000 | 899,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,649,000 | 17,864,000 | 18,605,000 | 16,540,000 |
| Total capital | 19,073,000 | 19,301,000 | 20,047,000 | 17,889,000 |
| Risk-weighted assets | 113,888,000 | 117,658,000 | 121,005,000 | 131,604,000 |
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