Call reports 2007
FIRSTBANK OF SOUTH JEFFCO — 2007
What FIRSTBANK OF SOUTH JEFFCO 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 | 534,477,000 | 552,349,000 | 554,178,000 | 550,992,000 |
| Total loans | 162,462,000 | 175,810,000 | 180,737,000 | 182,282,000 |
| Allowance for loan losses | 1,648,000 | 1,763,000 | 1,819,000 | 1,853,000 |
| Securities available for sale | 199,015,000 | 191,759,000 | 189,156,000 | 177,455,000 |
| Securities held to maturity | 125,969,000 | 145,641,000 | 159,180,000 | 169,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,636,000 | 500,841,000 | 498,472,000 | 508,442,000 |
| Interest-bearing deposits | 402,114,000 | 406,147,000 | 403,262,000 | 413,115,000 |
| Noninterest-bearing deposits | 95,522,000 | 94,694,000 | 95,210,000 | 95,327,000 |
| Equity capital | 32,203,000 | 30,842,000 | 32,453,000 | 33,355,000 |
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 | 7,372,000 | 15,207,000 | 23,268,000 | 31,506,000 |
| Interest expense | 3,245,000 | 6,814,000 | 10,645,000 | 14,438,000 |
| Net interest income | 4,127,000 | 8,393,000 | 12,623,000 | 17,068,000 |
| Noninterest income | 1,545,000 | 3,343,000 | 5,255,000 | 7,149,000 |
| Noninterest expense | 2,728,000 | 5,484,000 | 8,311,000 | 11,097,000 |
| Provision for loan losses | 38,000 | 177,000 | 268,000 | 329,000 |
| Pretax income | 2,906,000 | 6,075,000 | 9,299,000 | 12,791,000 |
| Income tax | 856,000 | 1,816,000 | 2,811,000 | 3,909,000 |
| Net income | 2,050,000 | 4,259,000 | 6,488,000 | 8,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,264,000 | 31,476,000 | 32,205,000 | 32,899,000 |
| Total capital | 32,960,000 | 33,291,000 | 34,094,000 | 34,823,000 |
| Risk-weighted assets | 227,348,000 | 241,248,000 | 248,399,000 | 249,599,000 |