Call reports 2007
LOCAL BANK — 2007
What LOCAL 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 | 99,364,000 | 96,077,000 | 94,576,000 | 94,409,000 |
| Total loans | 65,732,000 | 64,912,000 | 65,971,000 | 66,442,000 |
| Allowance for loan losses | 401,000 | 454,000 | 586,000 | 509,000 |
| Securities available for sale | 21,330,000 | 20,960,000 | 21,358,000 | 20,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,890,000 | 83,958,000 | 81,506,000 | 83,336,000 |
| Interest-bearing deposits | 75,595,000 | 73,088,000 | 70,644,000 | 72,663,000 |
| Noninterest-bearing deposits | 12,295,000 | 10,870,000 | 10,862,000 | 10,673,000 |
| Equity capital | 6,110,000 | 5,650,000 | 6,225,000 | 6,191,000 |
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 | 1,736,000 | 3,502,000 | 5,298,000 | 7,019,000 |
| Interest expense | 787,000 | 1,591,000 | 2,388,000 | 3,135,000 |
| Net interest income | 949,000 | 1,911,000 | 2,910,000 | 3,884,000 |
| Noninterest income | 141,000 | 307,000 | 454,000 | 635,000 |
| Noninterest expense | 842,000 | 1,677,000 | 2,564,000 | 3,474,000 |
| Provision for loan losses | 70,000 | 140,000 | 140,000 | 170,000 |
| Pretax income | 178,000 | 401,000 | 660,000 | 875,000 |
| Income tax | 38,000 | 93,000 | 184,000 | 205,000 |
| Net income | 140,000 | 308,000 | 476,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,207,000 | 6,285,000 | 6,309,000 | 6,319,000 |
| Total capital | 6,608,000 | 6,739,000 | 6,895,000 | 6,828,000 |
| Risk-weighted assets | 62,609,000 | 61,573,000 | 62,523,000 | 63,444,000 |
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