Call reports 2007
ERGO BANK — 2007
What ERGO 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 | 83,972,000 | 86,108,000 | 81,797,000 | 79,791,000 |
| Total loans | 45,001,000 | 43,323,000 | 43,183,000 | 44,110,000 |
| Allowance for loan losses | 567,000 | 566,000 | 508,000 | 476,000 |
| Securities available for sale | 25,348,000 | 26,536,000 | 26,794,000 | 27,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,686,000 | 67,921,000 | 64,230,000 | 62,327,000 |
| Interest-bearing deposits | 59,988,000 | 61,109,000 | 58,257,000 | 56,997,000 |
| Noninterest-bearing deposits | 5,698,000 | 6,813,000 | 5,973,000 | 5,330,000 |
| Equity capital | 9,835,000 | 9,648,000 | 9,918,000 | 9,913,000 |
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 | 1,322,000 | 2,670,000 | 4,028,000 | 5,216,000 |
| Interest expense | 582,000 | 1,196,000 | 1,794,000 | 2,347,000 |
| Net interest income | 740,000 | 1,474,000 | 2,234,000 | 2,869,000 |
| Noninterest income | 89,000 | 173,000 | 262,000 | 346,000 |
| Noninterest expense | 602,000 | 1,209,000 | 1,820,000 | 2,514,000 |
| Provision for loan losses | 13,000 | 26,000 | 0 | 0 |
| Pretax income | 214,000 | 412,000 | 676,000 | 702,000 |
| Income tax | 45,000 | 82,000 | 140,000 | 105,000 |
| Net income | 169,000 | 330,000 | 536,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,863,000 | 9,860,000 | 9,900,000 | 9,796,000 |
| Total capital | 10,430,000 | 10,426,000 | 10,408,000 | 10,272,000 |
| Risk-weighted assets | 51,397,000 | 50,818,000 | 49,320,000 | 49,207,000 |
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