Call reports 2007
BALBOA THRIFT AND LOAN ASSOCIATION — 2007
What BALBOA THRIFT AND LOAN 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 | 176,651,000 | 184,654,000 | 193,572,000 | 190,517,000 |
| Total loans | 168,748,000 | 176,699,000 | 184,345,000 | 181,638,000 |
| Allowance for loan losses | 3,229,000 | 3,373,000 | 3,279,000 | 3,698,000 |
| Securities available for sale | 3,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,496,000 | 166,781,000 | 174,624,000 | 172,026,000 |
| Interest-bearing deposits | 158,157,000 | 166,758,000 | 174,603,000 | 172,000,000 |
| Noninterest-bearing deposits | 339,000 | 23,000 | 21,000 | 26,000 |
| Equity capital | 17,118,000 | 17,296,000 | 17,669,000 | 17,578,000 |
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 | 5,099,000 | 10,313,000 | 15,908,000 | 21,657,000 |
| Interest expense | 1,993,000 | 4,092,000 | 6,342,000 | 8,621,000 |
| Net interest income | 3,106,000 | 6,221,000 | 9,566,000 | 13,036,000 |
| Noninterest income | 59,000 | 119,000 | 182,000 | 237,000 |
| Noninterest expense | 1,787,000 | 3,814,000 | 5,751,000 | 7,795,000 |
| Provision for loan losses | 610,000 | 1,430,000 | 2,254,000 | 3,874,000 |
| Pretax income | 770,000 | 1,096,000 | 1,743,000 | 1,604,000 |
| Income tax | 321,000 | 468,000 | 743,000 | 695,000 |
| Net income | 449,000 | 628,000 | 1,000,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,118,000 | 17,296,000 | 17,669,000 | 17,578,000 |
| Total capital | 19,277,000 | 19,554,000 | 20,041,000 | 19,916,000 |
| Risk-weighted assets | 171,642,000 | 179,515,000 | 188,823,000 | 185,689,000 |
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