Call reports 2007
BANK OF BEAVER CITY, THE — 2007
What BANK OF BEAVER CITY, THE 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 | 85,490,000 | 82,557,000 | 86,084,000 | 91,488,000 |
| Total loans | 51,013,000 | 53,806,000 | 55,992,000 | 61,632,000 |
| Allowance for loan losses | 756,000 | 748,000 | 681,000 | 684,000 |
| Securities available for sale | 21,497,000 | 20,994,000 | 20,960,000 | 20,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,762,000 | 71,695,000 | 74,903,000 | 78,885,000 |
| Interest-bearing deposits | 65,580,000 | 62,303,000 | 65,267,000 | 69,832,000 |
| Noninterest-bearing deposits | 9,182,000 | 9,392,000 | 9,636,000 | 9,053,000 |
| Equity capital | 7,543,000 | 7,258,000 | 7,559,000 | 8,006,000 |
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 | 1,319,000 | 2,729,000 | 4,158,000 | 5,653,000 |
| Interest expense | 571,000 | 1,210,000 | 1,872,000 | 2,570,000 |
| Net interest income | 748,000 | 1,519,000 | 2,286,000 | 3,083,000 |
| Noninterest income | 64,000 | 139,000 | 224,000 | 332,000 |
| Noninterest expense | 642,000 | 1,284,000 | 1,920,000 | 2,560,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 167,000 | 344,000 | 574,000 | 837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 167,000 | 344,000 | 574,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,838,000 | 7,902,000 | 7,884,000 | 8,028,000 |
| Total capital | 8,594,000 | 8,650,000 | 8,565,000 | 8,712,000 |
| Risk-weighted assets | 60,142,000 | 61,566,000 | 64,467,000 | 70,145,000 |