Call reports 2007
BANK OF BEARDEN — 2007
What BANK OF BEARDEN 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 | 32,155,000 | 34,103,000 | 33,514,000 | 33,111,000 |
| Total loans | 22,441,000 | 21,187,000 | 21,047,000 | 20,788,000 |
| Allowance for loan losses | 218,000 | 223,000 | 228,000 | 231,000 |
| Securities available for sale | 3,413,000 | 3,572,000 | 3,480,000 | 2,773,000 |
| Securities held to maturity | 2,129,000 | 1,725,000 | 1,674,000 | 1,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,234,000 | 28,064,000 | 27,337,000 | 27,404,000 |
| Interest-bearing deposits | 19,100,000 | 18,786,000 | 19,951,000 | 19,319,000 |
| Noninterest-bearing deposits | 7,134,000 | 9,278,000 | 7,386,000 | 8,086,000 |
| Equity capital | 5,813,000 | 5,876,000 | 6,034,000 | 5,557,000 |
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 | 503,000 | 1,046,000 | 1,600,000 | 2,111,000 |
| Interest expense | 153,000 | 315,000 | 482,000 | 646,000 |
| Net interest income | 350,000 | 731,000 | 1,118,000 | 1,465,000 |
| Noninterest income | 17,000 | 35,000 | 39,000 | 49,000 |
| Noninterest expense | 185,000 | 370,000 | 563,000 | 790,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 217,000 |
| Pretax income | 178,000 | 387,000 | 581,000 | 507,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 387,000 | 581,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,847,000 | 5,919,000 | 6,044,000 | 5,555,000 |
| Total capital | 6,065,000 | 6,142,000 | 6,272,000 | 5,786,000 |
| Risk-weighted assets | 22,136,000 | 21,193,000 | 21,220,000 | 21,376,000 |
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