Call reports 2007
DESJARDINS BANK, NATIONAL ASSOCIATION — 2007
What DESJARDINS BANK, NATIONAL ASSOCIATION 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 | 173,265,000 | 168,923,000 | 165,484,000 | 162,096,000 |
| Total loans | 150,491,000 | 149,735,000 | 145,240,000 | 141,072,000 |
| Allowance for loan losses | 727,000 | 759,000 | 804,000 | 1,237,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,301,000 | 7,786,000 | 7,341,000 | 6,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,069,000 | 148,739,000 | 144,241,000 | 138,225,000 |
| Interest-bearing deposits | 111,655,000 | 109,453,000 | 103,569,000 | 91,007,000 |
| Noninterest-bearing deposits | 41,414,000 | 39,286,000 | 40,672,000 | 47,218,000 |
| Equity capital | 18,872,000 | 19,295,000 | 19,702,000 | 19,953,000 |
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 | 2,473,000 | 5,064,000 | 7,553,000 | 9,929,000 |
| Interest expense | 1,195,000 | 2,438,000 | 3,678,000 | 4,661,000 |
| Net interest income | 1,278,000 | 2,626,000 | 3,875,000 | 5,268,000 |
| Noninterest income | 296,000 | 534,000 | 770,000 | 1,184,000 |
| Noninterest expense | 852,000 | 1,740,000 | 2,539,000 | 3,460,000 |
| Provision for loan losses | 45,000 | 77,000 | 122,000 | 555,000 |
| Pretax income | 677,000 | 1,343,000 | 1,984,000 | 2,437,000 |
| Income tax | 258,000 | 501,000 | 735,000 | 937,000 |
| Net income | 419,000 | 842,000 | 1,249,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,872,000 | 19,295,000 | 19,702,000 | 19,953,000 |
| Total capital | 19,599,000 | 20,054,000 | 20,506,000 | 21,041,000 |
| Risk-weighted assets | 93,940,000 | 92,517,000 | 89,557,000 | 86,908,000 |
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