Call reports 2007
BANKMERIDIAN, NA — 2007
What BANKMERIDIAN, NA 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 | 156,256,000 | 200,184,000 | 225,304,000 | 236,909,000 |
| Total loans | 113,435,000 | 147,342,000 | 168,679,000 | 173,162,000 |
| Allowance for loan losses | 1,418,000 | 1,842,000 | 2,109,000 | 2,161,000 |
| Securities available for sale | 31,985,000 | 35,131,000 | 41,874,000 | 51,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,677,000 | 157,405,000 | 173,443,000 | 175,675,000 |
| Interest-bearing deposits | 119,589,000 | 144,511,000 | 164,269,000 | 168,623,000 |
| Noninterest-bearing deposits | 6,088,000 | 12,894,000 | 9,174,000 | 7,052,000 |
| Equity capital | 29,969,000 | 29,829,000 | 30,206,000 | 30,739,000 |
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 | 2,726,000 | 6,078,000 | 10,133,000 | 14,289,000 |
| Interest expense | 1,357,000 | 3,062,000 | 5,253,000 | 7,555,000 |
| Net interest income | 1,369,000 | 3,016,000 | 4,880,000 | 6,734,000 |
| Noninterest income | 22,000 | 68,000 | 121,000 | 164,000 |
| Noninterest expense | 1,205,000 | 2,490,000 | 3,876,000 | 5,357,000 |
| Provision for loan losses | 302,000 | 726,000 | 993,000 | 1,046,000 |
| Pretax income | -107,000 | -121,000 | 143,000 | 511,000 |
| Income tax | -32,000 | -33,000 | 66,000 | 209,000 |
| Net income | -75,000 | -88,000 | 77,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,113,000 | 29,163,000 | 30,128,000 | 30,415,000 |
| Total capital | 30,531,000 | 30,988,000 | 32,210,000 | 32,576,000 |
| Risk-weighted assets | 114,462,000 | 147,021,000 | 166,539,000 | 173,652,000 |
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