Call reports 2007
BCBANK, INC. — 2007
What BCBANK, INC. 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 | 113,774,000 | 115,331,000 | 122,185,000 | 123,788,000 |
| Total loans | 71,375,000 | 72,334,000 | 72,961,000 | 73,100,000 |
| Allowance for loan losses | 936,000 | 1,082,000 | 1,081,000 | 1,057,000 |
| Securities available for sale | 18,353,000 | 23,636,000 | 26,319,000 | 31,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,972,000 | 3,853,000 | 3,817,000 | 2,993,000 |
| Total deposits | 101,323,000 | 103,406,000 | 109,595,000 | 111,059,000 |
| Interest-bearing deposits | 92,560,000 | 95,177,000 | 100,242,000 | 101,498,000 |
| Noninterest-bearing deposits | 8,763,000 | 8,229,000 | 9,353,000 | 9,561,000 |
| Equity capital | 11,489,000 | 10,985,000 | 11,354,000 | 11,409,000 |
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 | 1,681,000 | 3,448,000 | 5,404,000 | 7,454,000 |
| Interest expense | 781,000 | 1,617,000 | 2,528,000 | 3,482,000 |
| Net interest income | 900,000 | 1,831,000 | 2,876,000 | 3,972,000 |
| Noninterest income | 103,000 | 210,000 | 322,000 | 436,000 |
| Noninterest expense | 709,000 | 1,478,000 | 2,332,000 | 3,202,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 108,000 |
| Pretax income | 281,000 | 387,000 | 653,000 | 1,051,000 |
| Income tax | 53,000 | 50,000 | 98,000 | 249,000 |
| Net income | 228,000 | 337,000 | 555,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,726,000 | 11,610,000 | 11,802,000 | 11,754,000 |
| Total capital | 12,662,000 | 12,692,000 | 12,883,000 | 12,811,000 |
| Risk-weighted assets | 88,947,000 | 89,152,000 | 91,652,000 | 90,343,000 |