Call reports 2007
PORT WASHINGTON STATE BANK, THE — 2007
What PORT WASHINGTON STATE BANK, THE 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 | 341,672,000 | 344,765,000 | 347,127,000 | 354,573,000 |
| Total loans | 256,755,000 | 265,047,000 | 265,670,000 | 268,059,000 |
| Allowance for loan losses | 2,619,000 | 2,743,000 | 2,512,000 | 3,443,000 |
| Securities available for sale | 53,692,000 | 55,580,000 | 59,020,000 | 60,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,222,000 | 308,686,000 | 310,057,000 | 314,080,000 |
| Interest-bearing deposits | 271,815,000 | 275,180,000 | 275,721,000 | 279,610,000 |
| Noninterest-bearing deposits | 33,407,000 | 33,506,000 | 34,336,000 | 34,470,000 |
| Equity capital | 25,671,000 | 25,403,000 | 26,234,000 | 29,346,000 |
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 | 5,480,000 | 11,180,000 | 16,970,000 | 22,523,000 |
| Interest expense | 2,774,000 | 5,727,000 | 8,790,000 | 11,662,000 |
| Net interest income | 2,706,000 | 5,453,000 | 8,180,000 | 10,861,000 |
| Noninterest income | 512,000 | 1,107,000 | 1,787,000 | 2,453,000 |
| Noninterest expense | 2,388,000 | 4,840,000 | 7,275,000 | 9,589,000 |
| Provision for loan losses | 123,000 | 247,000 | 393,000 | 1,894,000 |
| Pretax income | 726,000 | 1,489,000 | 2,323,000 | 1,872,000 |
| Income tax | 218,000 | 443,000 | 687,000 | 424,000 |
| Net income | 508,000 | 1,046,000 | 1,636,000 | 1,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,645,000 | 23,984,000 | 24,371,000 | 27,645,000 |
| Total capital | 26,264,000 | 26,727,000 | 26,883,000 | 30,937,000 |
| Risk-weighted assets | 254,642,000 | 263,548,000 | 261,542,000 | 262,720,000 |