Call reports 2007
FIRSTBANK - WEST BRANCH — 2007
What FIRSTBANK - WEST BRANCH 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 | 232,834,000 | 238,939,000 | 240,883,000 | 241,316,000 |
| Total loans | 208,538,000 | 208,924,000 | 210,367,000 | 208,874,000 |
| Allowance for loan losses | 1,770,000 | 1,764,000 | 1,764,000 | 1,827,000 |
| Securities available for sale | 9,544,000 | 13,327,000 | 13,234,000 | 16,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,579,000 | 175,895,000 | 180,153,000 | 178,254,000 |
| Interest-bearing deposits | 145,166,000 | 144,980,000 | 145,912,000 | 146,478,000 |
| Noninterest-bearing deposits | 29,413,000 | 30,915,000 | 34,241,000 | 31,776,000 |
| Equity capital | 18,281,000 | 18,001,000 | 18,667,000 | 17,636,000 |
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 | 4,012,000 | 8,142,000 | 12,314,000 | 16,441,000 |
| Interest expense | 1,749,000 | 3,566,000 | 5,402,000 | 7,204,000 |
| Net interest income | 2,263,000 | 4,576,000 | 6,912,000 | 9,237,000 |
| Noninterest income | 955,000 | 1,890,000 | 2,913,000 | 3,729,000 |
| Noninterest expense | 2,317,000 | 4,756,000 | 7,162,000 | 9,165,000 |
| Provision for loan losses | -131,000 | -114,000 | -53,000 | 67,000 |
| Pretax income | 1,029,000 | 1,821,000 | 2,713,000 | 3,731,000 |
| Income tax | 331,000 | 558,000 | 846,000 | 1,129,000 |
| Net income | 698,000 | 1,263,000 | 1,867,000 | 2,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,094,000 | 18,064,000 | 18,585,000 | 17,531,000 |
| Total capital | 19,864,000 | 19,828,000 | 20,349,000 | 19,358,000 |
| Risk-weighted assets | 186,554,000 | 188,712,000 | 180,493,000 | 190,397,000 |