Call reports 2007
FIRST PERSONAL BANK — 2007
What FIRST PERSONAL BANK 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 | 192,544,000 | 191,754,000 | 190,932,000 | 176,400,000 |
| Total loans | 142,468,000 | 148,598,000 | 150,385,000 | 142,459,000 |
| Allowance for loan losses | 2,113,000 | 2,298,000 | 2,585,000 | 2,855,000 |
| Securities available for sale | 24,813,000 | 24,862,000 | 25,400,000 | 16,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,139,000 | 167,565,000 | 166,449,000 | 155,150,000 |
| Interest-bearing deposits | 152,914,000 | 154,327,000 | 153,621,000 | 140,458,000 |
| Noninterest-bearing deposits | 12,225,000 | 13,238,000 | 12,828,000 | 14,692,000 |
| Equity capital | 13,396,000 | 13,401,000 | 12,803,000 | 12,207,000 |
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 | 3,041,000 | 6,192,000 | 9,336,000 | 12,120,000 |
| Interest expense | 1,697,000 | 3,450,000 | 5,218,000 | 6,829,000 |
| Net interest income | 1,344,000 | 2,742,000 | 4,118,000 | 5,291,000 |
| Noninterest income | 201,000 | 360,000 | 509,000 | 762,000 |
| Noninterest expense | 1,186,000 | 2,421,000 | 3,601,000 | 5,305,000 |
| Provision for loan losses | 150,000 | 300,000 | 1,800,000 | 2,856,000 |
| Pretax income | 209,000 | 382,000 | -773,000 | -2,074,000 |
| Income tax | 39,000 | 62,000 | -317,000 | -928,000 |
| Net income | 170,000 | 320,000 | -456,000 | -1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,518,000 | 13,668,000 | 12,893,000 | 12,203,000 |
| Total capital | 15,473,000 | 15,578,000 | 14,798,000 | 14,005,000 |
| Risk-weighted assets | 156,267,000 | 152,442,000 | 151,726,000 | 143,101,000 |