Call reports 2007
PARAGON COMMERCIAL BANK — 2007
What PARAGON COMMERCIAL 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 | 755,924,000 | 865,012,000 | 908,711,000 | 989,395,000 |
| Total loans | 598,446,000 | 668,911,000 | 695,619,000 | 787,810,000 |
| Allowance for loan losses | 7,153,000 | 7,733,000 | 8,512,000 | 8,866,000 |
| Securities available for sale | 103,627,000 | 121,389,000 | 130,364,000 | 157,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,427,000 | 753,046,000 | 731,681,000 | 724,697,000 |
| Interest-bearing deposits | 558,246,000 | 667,474,000 | 662,510,000 | 649,395,000 |
| Noninterest-bearing deposits | 82,181,000 | 85,572,000 | 69,171,000 | 75,302,000 |
| Equity capital | 57,268,000 | 61,813,000 | 84,057,000 | 86,614,000 |
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 | 12,947,000 | 27,751,000 | 43,677,000 | 60,407,000 |
| Interest expense | 6,632,000 | 14,626,000 | 23,568,000 | 32,956,000 |
| Net interest income | 6,315,000 | 13,125,000 | 20,109,000 | 27,451,000 |
| Noninterest income | 284,000 | 646,000 | 1,167,000 | 1,521,000 |
| Noninterest expense | 3,413,000 | 7,398,000 | 11,489,000 | 15,727,000 |
| Provision for loan losses | 613,000 | 1,210,000 | 2,030,000 | 3,721,000 |
| Pretax income | 2,573,000 | 5,163,000 | 7,757,000 | 9,441,000 |
| Income tax | 886,000 | 1,772,000 | 2,621,000 | 3,121,000 |
| Net income | 1,687,000 | 3,391,000 | 5,136,000 | 6,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,459,000 | 63,664,000 | 84,508,000 | 85,692,000 |
| Total capital | 64,764,000 | 71,567,000 | 93,226,000 | 94,558,000 |
| Risk-weighted assets | 630,504,000 | 710,404,000 | 762,511,000 | 845,056,000 |
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