Call reports 2007
FOUNDATION ONE BANK — 2007
What FOUNDATION ONE 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 | 13,261,000 | 13,403,000 | 13,822,000 | 13,509,000 |
| Total loans | 8,155,000 | 8,130,000 | 8,363,000 | 8,632,000 |
| Allowance for loan losses | 208,000 | 211,000 | 209,000 | 212,000 |
| Securities available for sale | 3,119,000 | 3,425,000 | 3,552,000 | 3,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,776,000 | 11,911,000 | 12,279,000 | 11,970,000 |
| Interest-bearing deposits | 8,796,000 | 8,420,000 | 8,732,000 | 9,059,000 |
| Noninterest-bearing deposits | 2,980,000 | 3,491,000 | 3,547,000 | 2,911,000 |
| Equity capital | 1,445,000 | 1,449,000 | 1,506,000 | 1,496,000 |
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 | 228,000 | 460,000 | 699,000 | 944,000 |
| Interest expense | 57,000 | 116,000 | 175,000 | 238,000 |
| Net interest income | 171,000 | 344,000 | 524,000 | 706,000 |
| Noninterest income | 44,000 | 91,000 | 134,000 | 184,000 |
| Noninterest expense | 196,000 | 390,000 | 582,000 | 818,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 45,000 | 76,000 | 72,000 |
| Income tax | 3,000 | 8,000 | 15,000 | 7,000 |
| Net income | 16,000 | 37,000 | 61,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,431,000 | 1,455,000 | 1,473,000 | 1,447,000 |
| Total capital | 1,535,000 | 1,558,000 | 1,579,000 | 1,556,000 |
| Risk-weighted assets | 8,181,000 | 8,170,000 | 8,350,000 | 8,636,000 |
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