Call reports 2007
SILVER FALLS BANK — 2007
What SILVER FALLS 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 | 109,626,000 | 125,776,000 | 130,921,000 | 139,220,000 |
| Total loans | 101,879,000 | 118,529,000 | 123,316,000 | 131,154,000 |
| Allowance for loan losses | 1,132,000 | 1,417,000 | 1,507,000 | 1,538,000 |
| Securities available for sale | 1,378,000 | 1,621,000 | 1,642,000 | 1,350,000 |
| Securities held to maturity | 250,000 | 250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,201,000 | 96,356,000 | 100,926,000 | 109,596,000 |
| Interest-bearing deposits | 83,889,000 | 88,473,000 | 92,180,000 | 100,780,000 |
| Noninterest-bearing deposits | 7,312,000 | 7,883,000 | 8,746,000 | 8,816,000 |
| Equity capital | 10,352,000 | 10,945,000 | 11,532,000 | 11,998,000 |
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 | 2,652,000 | 5,685,000 | 8,755,000 | 11,896,000 |
| Interest expense | 1,005,000 | 2,143,000 | 3,426,000 | 4,799,000 |
| Net interest income | 1,647,000 | 3,542,000 | 5,329,000 | 7,097,000 |
| Noninterest income | 66,000 | 157,000 | 234,000 | 332,000 |
| Noninterest expense | 803,000 | 1,633,000 | 2,485,000 | 3,453,000 |
| Provision for loan losses | 144,000 | 430,000 | 525,000 | 755,000 |
| Pretax income | 766,000 | 1,636,000 | 2,553,000 | 3,226,000 |
| Income tax | 293,000 | 641,000 | 1,004,000 | 1,209,000 |
| Net income | 473,000 | 995,000 | 1,549,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,362,000 | 10,962,000 | 11,535,000 | 11,998,000 |
| Total capital | 11,394,000 | 12,379,000 | 13,042,000 | 13,536,000 |
| Risk-weighted assets | 106,448,000 | 123,653,000 | 123,985,000 | 132,476,000 |