Call reports 2007
AREA BANK — 2007
What AREA 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 | 43,970,000 | 45,268,000 | 46,816,000 | 45,676,000 |
| Total loans | 19,696,000 | 20,844,000 | 21,742,000 | 22,751,000 |
| Allowance for loan losses | 498,000 | 510,000 | 526,000 | 540,000 |
| Securities available for sale | 20,445,000 | 19,840,000 | 20,101,000 | 18,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,721,000 | 39,435,000 | 39,286,000 | 39,261,000 |
| Interest-bearing deposits | 33,195,000 | 33,669,000 | 33,304,000 | 33,311,000 |
| Noninterest-bearing deposits | 5,526,000 | 5,766,000 | 5,982,000 | 5,950,000 |
| Equity capital | 4,091,000 | 4,097,000 | 4,340,000 | 4,551,000 |
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 | 552,000 | 1,132,000 | 1,728,000 | 2,360,000 |
| Interest expense | 252,000 | 515,000 | 798,000 | 1,093,000 |
| Net interest income | 300,000 | 617,000 | 930,000 | 1,267,000 |
| Noninterest income | 50,000 | 110,000 | 179,000 | 251,000 |
| Noninterest expense | 279,000 | 564,000 | 854,000 | 1,168,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 56,000 | 133,000 | 210,000 | 290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 133,000 | 210,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,157,000 | 4,234,000 | 4,310,000 | 4,391,000 |
| Total capital | 4,440,000 | 4,529,000 | 4,615,000 | 4,697,000 |
| Risk-weighted assets | 22,390,000 | 23,392,000 | 24,158,000 | 24,224,000 |