Call reports 2007
21ST CENTURY BANK — 2007
What 21ST CENTURY 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 | 360,833,000 | 361,781,000 | 364,775,000 | 382,858,000 |
| Total loans | 313,943,000 | 305,381,000 | 319,095,000 | 315,458,000 |
| Allowance for loan losses | 3,596,000 | 3,656,000 | 3,605,000 | 3,651,000 |
| Securities available for sale | 21,215,000 | 19,997,000 | 19,432,000 | 24,288,000 |
| Securities held to maturity | 1,279,000 | 1,279,000 | 1,182,000 | 1,172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,276,000 | 310,860,000 | 297,170,000 | 327,978,000 |
| Interest-bearing deposits | 267,792,000 | 275,093,000 | 259,750,000 | 292,738,000 |
| Noninterest-bearing deposits | 35,484,000 | 35,767,000 | 37,420,000 | 35,240,000 |
| Equity capital | 39,219,000 | 40,188,000 | 41,549,000 | 42,370,000 |
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 | 6,459,000 | 13,051,000 | 19,783,000 | 26,390,000 |
| Interest expense | 3,071,000 | 6,208,000 | 9,354,000 | 12,500,000 |
| Net interest income | 3,388,000 | 6,843,000 | 10,429,000 | 13,890,000 |
| Noninterest income | 469,000 | 906,000 | 1,324,000 | 1,619,000 |
| Noninterest expense | 1,889,000 | 3,659,000 | 5,483,000 | 7,935,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,908,000 | 3,970,000 | 6,090,000 | 7,334,000 |
| Income tax | 785,000 | 1,638,000 | 2,511,000 | 3,049,000 |
| Net income | 1,123,000 | 2,332,000 | 3,579,000 | 4,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,205,000 | 40,415,000 | 41,661,000 | 42,367,000 |
| Total capital | 42,801,000 | 44,071,000 | 45,266,000 | 46,018,000 |
| Risk-weighted assets | 352,571,000 | 343,768,000 | 360,913,000 | 357,622,000 |
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