Call reports 2007
CIERA BANK — 2007
What CIERA 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 | 164,619,000 | 167,418,000 | 171,421,000 | 183,240,000 |
| Total loans | 115,077,000 | 116,302,000 | 117,026,000 | 128,118,000 |
| Allowance for loan losses | 1,304,000 | 1,351,000 | 1,354,000 | 1,348,000 |
| Securities available for sale | 31,806,000 | 33,404,000 | 32,667,000 | 36,526,000 |
| Securities held to maturity | 403,000 | 364,000 | 332,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,385,000 | 143,723,000 | 146,886,000 | 156,224,000 |
| Interest-bearing deposits | 112,428,000 | 111,403,000 | 113,564,000 | 119,511,000 |
| Noninterest-bearing deposits | 32,957,000 | 32,320,000 | 33,322,000 | 36,713,000 |
| Equity capital | 14,325,000 | 14,224,000 | 15,035,000 | 15,725,000 |
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 | 2,648,000 | 5,461,000 | 8,381,000 | 11,408,000 |
| Interest expense | 904,000 | 1,907,000 | 2,938,000 | 4,015,000 |
| Net interest income | 1,744,000 | 3,554,000 | 5,443,000 | 7,393,000 |
| Noninterest income | 535,000 | 1,087,000 | 1,670,000 | 2,297,000 |
| Noninterest expense | 1,240,000 | 2,530,000 | 3,943,000 | 5,350,000 |
| Provision for loan losses | 45,000 | 120,000 | 165,000 | 210,000 |
| Pretax income | 994,000 | 1,991,000 | 3,005,000 | 4,130,000 |
| Income tax | 2,000 | 6,000 | 19,000 | 33,000 |
| Net income | 992,000 | 1,985,000 | 2,986,000 | 4,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,435,000 | 14,729,000 | 15,187,000 | 15,609,000 |
| Total capital | 15,739,000 | 16,080,000 | 16,541,000 | 16,957,000 |
| Risk-weighted assets | 131,444,000 | 132,640,000 | 130,625,000 | 146,666,000 |
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