Call reports 2007
BANK OF DELIGHT — 2007
What BANK OF DELIGHT 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 | 80,863,000 | 78,927,000 | 78,769,000 | 82,271,000 |
| Total loans | 53,295,000 | 51,555,000 | 50,471,000 | 47,974,000 |
| Allowance for loan losses | 807,000 | 810,000 | 904,000 | 794,000 |
| Securities available for sale | 5,000 | 4,000 | 4,000 | 4,000 |
| Securities held to maturity | 18,731,000 | 18,719,000 | 20,483,000 | 21,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,095,000 | 63,842,000 | 63,404,000 | 66,847,000 |
| Interest-bearing deposits | 60,268,000 | 58,194,000 | 58,145,000 | 61,285,000 |
| Noninterest-bearing deposits | 5,827,000 | 5,648,000 | 5,259,000 | 5,562,000 |
| Equity capital | 14,351,000 | 14,619,000 | 14,866,000 | 14,962,000 |
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 | 1,377,000 | 2,752,000 | 4,111,000 | 5,446,000 |
| Interest expense | 581,000 | 1,161,000 | 1,736,000 | 2,317,000 |
| Net interest income | 796,000 | 1,591,000 | 2,375,000 | 3,129,000 |
| Noninterest income | 23,000 | 48,000 | 72,000 | 96,000 |
| Noninterest expense | 379,000 | 698,000 | 1,018,000 | 1,412,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 200,000 |
| Pretax income | 440,000 | 942,000 | 1,331,000 | 1,615,000 |
| Income tax | 31,000 | 32,000 | 31,000 | 31,000 |
| Net income | 409,000 | 910,000 | 1,300,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,351,000 | 14,619,000 | 14,866,000 | 14,962,000 |
| Total capital | 15,004,000 | 15,259,000 | 15,492,000 | 15,570,000 |
| Risk-weighted assets | 52,755,000 | 50,993,000 | 49,814,000 | 48,430,000 |