Call reports 2007
BENCHMARK BANK — 2007
What BENCHMARK 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 | 68,152,000 | 82,824,000 | 101,313,000 | 103,198,000 |
| Total loans | 56,221,000 | 67,232,000 | 77,656,000 | 91,154,000 |
| Allowance for loan losses | 628,000 | 713,000 | 857,000 | 1,014,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,499,000 | 2,499,000 | 2,499,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,368,000 | 68,797,000 | 86,876,000 | 88,169,000 |
| Interest-bearing deposits | 52,867,000 | 66,413,000 | 85,496,000 | 86,110,000 |
| Noninterest-bearing deposits | 1,501,000 | 2,384,000 | 1,380,000 | 2,059,000 |
| Equity capital | 13,507,000 | 13,743,000 | 13,933,000 | 14,075,000 |
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 | 1,287,000 | 2,774,000 | 4,604,000 | 6,610,000 |
| Interest expense | 649,000 | 1,398,000 | 2,377,000 | 3,455,000 |
| Net interest income | 638,000 | 1,376,000 | 2,227,000 | 3,155,000 |
| Noninterest income | 16,000 | 27,000 | 39,000 | 55,000 |
| Noninterest expense | 403,000 | 870,000 | 1,438,000 | 2,001,000 |
| Provision for loan losses | 72,000 | 157,000 | 301,000 | 458,000 |
| Pretax income | 179,000 | 376,000 | 527,000 | 751,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 123,000 |
| Net income | 177,000 | 374,000 | 525,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,507,000 | 13,743,000 | 13,933,000 | 14,075,000 |
| Total capital | 14,135,000 | 14,457,000 | 14,791,000 | 15,090,000 |
| Risk-weighted assets | 56,920,000 | 68,448,000 | 79,914,000 | 89,145,000 |
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