Call reports 2007
TRANSACT BANK, NATIONAL ASSOCIATION — 2007
What TRANSACT 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 | 46,886,000 | 49,372,000 | 51,569,000 | 51,911,000 |
| Total loans | 30,272,000 | 33,316,000 | 34,053,000 | 30,831,000 |
| Allowance for loan losses | 287,000 | 291,000 | 308,000 | 331,000 |
| Securities available for sale | 1,000,000 | 500,000 | 0 | 499,000 |
| Securities held to maturity | 4,471,000 | 4,999,000 | 5,002,000 | 4,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,297,000 | 39,729,000 | 41,657,000 | 42,285,000 |
| Interest-bearing deposits | 24,790,000 | 25,871,000 | 26,391,000 | 27,588,000 |
| Noninterest-bearing deposits | 12,507,000 | 13,858,000 | 15,266,000 | 14,697,000 |
| Equity capital | 8,278,000 | 8,502,000 | 8,733,000 | 8,469,000 |
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 | 715,000 | 1,459,000 | 2,378,000 | 3,208,000 |
| Interest expense | 86,000 | 191,000 | 300,000 | 425,000 |
| Net interest income | 629,000 | 1,268,000 | 2,078,000 | 2,783,000 |
| Noninterest income | 125,000 | 292,000 | 326,000 | 427,000 |
| Noninterest expense | 449,000 | 919,000 | 1,412,000 | 1,922,000 |
| Provision for loan losses | 7,000 | 15,000 | 32,000 | 55,000 |
| Pretax income | 298,000 | 626,000 | 960,000 | 1,233,000 |
| Income tax | 103,000 | 207,000 | 310,000 | 447,000 |
| Net income | 195,000 | 419,000 | 650,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,025,000 | 5,289,000 | 5,561,000 | 5,338,000 |
| Total capital | 5,312,000 | 5,580,000 | 5,869,000 | 5,669,000 |
| Risk-weighted assets | 33,659,000 | 35,685,000 | 36,641,000 | 34,287,000 |
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