Call reports 2007
BANK OF MODESTO — 2007
What BANK OF MODESTO 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 | 34,316,000 | 33,954,000 | 34,912,000 | 34,734,000 |
| Total loans | 18,744,000 | 19,591,000 | 21,712,000 | 22,020,000 |
| Allowance for loan losses | 153,000 | 157,000 | 160,000 | 160,000 |
| Securities available for sale | 736,000 | 737,000 | 745,000 | 499,000 |
| Securities held to maturity | 11,317,000 | 10,815,000 | 9,971,000 | 9,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,734,000 | 30,331,000 | 31,059,000 | 30,983,000 |
| Interest-bearing deposits | 27,102,000 | 26,674,000 | 26,956,000 | 27,001,000 |
| Noninterest-bearing deposits | 3,632,000 | 3,657,000 | 4,104,000 | 3,981,000 |
| Equity capital | 3,357,000 | 3,412,000 | 3,471,000 | 3,420,000 |
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 | 506,000 | 1,033,000 | 1,568,000 | 2,118,000 |
| Interest expense | 219,000 | 444,000 | 670,000 | 903,000 |
| Net interest income | 287,000 | 589,000 | 898,000 | 1,215,000 |
| Noninterest income | 29,000 | 60,000 | 85,000 | 113,000 |
| Noninterest expense | 234,000 | 473,000 | 715,000 | 1,044,000 |
| Provision for loan losses | 4,000 | 8,000 | 11,000 | 15,000 |
| Pretax income | 78,000 | 168,000 | 257,000 | 269,000 |
| Income tax | 15,000 | 49,000 | 84,000 | 89,000 |
| Net income | 63,000 | 119,000 | 173,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,621,000 | 2,704,000 | 2,789,000 | 2,770,000 |
| Total capital | 2,774,000 | 2,861,000 | 2,949,000 | 2,930,000 |
| Risk-weighted assets | 21,694,000 | 22,201,000 | 24,163,000 | 24,575,000 |
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