Call reports 2007
OPEN BANK — 2007
What OPEN 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 | 151,071,000 | 154,384,000 | 156,447,000 | 141,723,000 |
| Total loans | 94,378,000 | 100,928,000 | 104,800,000 | 116,472,000 |
| Allowance for loan losses | 1,551,000 | 1,949,000 | 2,115,000 | 2,652,000 |
| Securities available for sale | 23,711,000 | 20,890,000 | 18,563,000 | 13,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,082,000 | 136,870,000 | 138,390,000 | 124,360,000 |
| Interest-bearing deposits | 115,582,000 | 121,397,000 | 122,464,000 | 111,016,000 |
| Noninterest-bearing deposits | 17,500,000 | 15,473,000 | 15,927,000 | 13,344,000 |
| Equity capital | 16,676,000 | 15,888,000 | 16,034,000 | 12,822,000 |
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 | 2,943,000 | 5,795,000 | 8,996,000 | 11,601,000 |
| Interest expense | 1,659,000 | 3,232,000 | 4,932,000 | 6,456,000 |
| Net interest income | 1,284,000 | 2,563,000 | 4,064,000 | 5,145,000 |
| Noninterest income | 323,000 | 567,000 | 995,000 | 1,061,000 |
| Noninterest expense | 1,375,000 | 2,869,000 | 4,550,000 | 6,390,000 |
| Provision for loan losses | 803,000 | 1,490,000 | 1,732,000 | 4,372,000 |
| Pretax income | -571,000 | -1,229,000 | -1,223,000 | -4,556,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 1,000 |
| Net income | -572,000 | -1,231,000 | -1,225,000 | -4,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,734,000 | 16,074,000 | 16,080,000 | 12,794,000 |
| Total capital | 18,116,000 | 17,535,000 | 17,576,000 | 14,364,000 |
| Risk-weighted assets | 110,408,000 | 116,409,000 | 119,049,000 | 124,510,000 |
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