Call reports 2007
EAST RIVER BANK — 2007
What EAST RIVER 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 | 61,757,000 | 71,271,000 | 80,382,000 | 92,056,000 |
| Total loans | 48,334,000 | 59,259,000 | 65,421,000 | 75,467,000 |
| Allowance for loan losses | 344,000 | 433,000 | 469,000 | 581,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,097,000 | 55,770,000 | 59,924,000 | 66,709,000 |
| Interest-bearing deposits | 41,419,000 | 50,641,000 | 56,124,000 | 61,633,000 |
| Noninterest-bearing deposits | 4,678,000 | 5,129,000 | 3,800,000 | 5,076,000 |
| Equity capital | 15,480,000 | 15,283,000 | 15,216,000 | 15,098,000 |
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 | 1,051,000 | 2,306,000 | 3,773,000 | 5,368,000 |
| Interest expense | 436,000 | 990,000 | 1,670,000 | 2,440,000 |
| Net interest income | 615,000 | 1,316,000 | 2,103,000 | 2,928,000 |
| Noninterest income | 29,000 | 52,000 | 96,000 | 134,000 |
| Noninterest expense | 807,000 | 1,639,000 | 2,501,000 | 3,369,000 |
| Provision for loan losses | 58,000 | 147,000 | 183,000 | 295,000 |
| Pretax income | -221,000 | -418,000 | -485,000 | -602,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -221,000 | -418,000 | -485,000 | -602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,480,000 | 15,283,000 | 15,216,000 | 15,098,000 |
| Total capital | 15,882,000 | 15,782,000 | 15,738,000 | 15,750,000 |
| Risk-weighted assets | 47,869,000 | 57,172,000 | 61,676,000 | 73,854,000 |
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