Call reports 2007
SEAWAY COMMUNITY BANK — 2007
What SEAWAY COMMUNITY 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 | 155,246,000 | 153,073,000 | 161,484,000 | 163,131,000 |
| Total loans | 130,981,000 | 132,329,000 | 137,473,000 | 142,427,000 |
| Allowance for loan losses | 1,610,000 | 1,557,000 | 1,621,000 | 1,916,000 |
| Securities available for sale | 9,132,000 | 9,296,000 | 9,786,000 | 8,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,162,000 | 134,828,000 | 138,108,000 | 128,047,000 |
| Interest-bearing deposits | 124,111,000 | 120,814,000 | 124,194,000 | 116,512,000 |
| Noninterest-bearing deposits | 13,051,000 | 14,014,000 | 13,914,000 | 11,535,000 |
| Equity capital | 12,486,000 | 12,581,000 | 12,738,000 | 12,799,000 |
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 | 2,644,000 | 5,307,000 | 8,011,000 | 10,741,000 |
| Interest expense | 1,288,000 | 2,606,000 | 3,958,000 | 5,357,000 |
| Net interest income | 1,356,000 | 2,701,000 | 4,053,000 | 5,384,000 |
| Noninterest income | 296,000 | 604,000 | 899,000 | 1,169,000 |
| Noninterest expense | 1,275,000 | 2,477,000 | 3,704,000 | 4,833,000 |
| Provision for loan losses | 35,000 | 105,000 | 245,000 | 550,000 |
| Pretax income | 342,000 | 723,000 | 1,003,000 | 1,170,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 342,000 | 723,000 | 1,003,000 | 1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,467,000 | 12,608,000 | 12,703,000 | 12,732,000 |
| Total capital | 14,077,000 | 14,165,000 | 14,324,000 | 14,464,000 |
| Risk-weighted assets | 129,235,000 | 127,878,000 | 132,918,000 | 138,354,000 |