Call reports 2007
ALARION BANK — 2007
What ALARION 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 | 164,758,000 | 191,253,000 | 205,490,000 | 203,321,000 |
| Total loans | 124,634,000 | 140,182,000 | 153,292,000 | 166,098,000 |
| Allowance for loan losses | 1,488,000 | 1,685,000 | 1,820,000 | 2,046,000 |
| Securities available for sale | 12,758,000 | 13,632,000 | 20,584,000 | 20,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,691,000 | 152,759,000 | 168,641,000 | 164,922,000 |
| Interest-bearing deposits | 114,949,000 | 138,851,000 | 154,500,000 | 151,623,000 |
| Noninterest-bearing deposits | 14,742,000 | 13,908,000 | 14,141,000 | 13,299,000 |
| Equity capital | 17,441,000 | 17,491,000 | 17,607,000 | 19,637,000 |
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 | 2,472,000 | 5,349,000 | 8,645,000 | 12,023,000 |
| Interest expense | 1,400,000 | 2,979,000 | 4,898,000 | 6,871,000 |
| Net interest income | 1,072,000 | 2,370,000 | 3,747,000 | 5,152,000 |
| Noninterest income | 271,000 | 576,000 | 865,000 | 1,130,000 |
| Noninterest expense | 1,282,000 | 2,582,000 | 3,995,000 | 5,401,000 |
| Provision for loan losses | 143,000 | 340,000 | 475,000 | 701,000 |
| Pretax income | -82,000 | 24,000 | 142,000 | 180,000 |
| Income tax | -32,000 | 5,000 | 47,000 | 77,000 |
| Net income | -50,000 | 19,000 | 95,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,493,000 | 16,589,000 | 16,723,000 | 18,798,000 |
| Total capital | 17,981,000 | 18,274,000 | 18,543,000 | 20,844,000 |
| Risk-weighted assets | 142,018,000 | 157,603,000 | 169,507,000 | 180,900,000 |