Call reports 2007
BANK OF THE SAN JUANS — 2007
What BANK OF THE SAN JUANS 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 | 122,930,000 | 135,767,000 | 139,010,000 | 137,669,000 |
| Total loans | 101,534,000 | 107,452,000 | 108,271,000 | 114,986,000 |
| Allowance for loan losses | 630,000 | 660,000 | 668,000 | 711,000 |
| Securities available for sale | 3,507,000 | 4,514,000 | 548,000 | 533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,100,000 | 122,634,000 | 125,121,000 | 123,384,000 |
| Interest-bearing deposits | 89,280,000 | 100,256,000 | 101,552,000 | 100,137,000 |
| Noninterest-bearing deposits | 20,820,000 | 22,378,000 | 23,569,000 | 23,247,000 |
| Equity capital | 12,493,000 | 12,918,000 | 13,399,000 | 13,873,000 |
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 | 2,367,000 | 5,013,000 | 7,755,000 | 10,447,000 |
| Interest expense | 803,000 | 1,616,000 | 2,575,000 | 3,513,000 |
| Net interest income | 1,564,000 | 3,397,000 | 5,180,000 | 6,934,000 |
| Noninterest income | 273,000 | 373,000 | 589,000 | 829,000 |
| Noninterest expense | 1,207,000 | 2,380,000 | 3,543,000 | 4,695,000 |
| Provision for loan losses | -16,000 | 17,000 | 27,000 | 60,000 |
| Pretax income | 646,000 | 1,373,000 | 2,199,000 | 3,008,000 |
| Income tax | 237,000 | 504,000 | 808,000 | 1,106,000 |
| Net income | 409,000 | 869,000 | 1,391,000 | 1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,491,000 | 12,918,000 | 13,399,000 | 13,873,000 |
| Total capital | 13,121,000 | 13,578,000 | 14,067,000 | 14,584,000 |
| Risk-weighted assets | 100,885,000 | 120,347,000 | 118,866,000 | 123,307,000 |