Call reports 2007
ACB BANK — 2007
What ACB 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 | 46,224,000 | 87,944,000 | 74,232,000 | 48,658,000 |
| Total loans | 36,060,000 | 38,249,000 | 36,073,000 | 34,645,000 |
| Allowance for loan losses | 779,000 | 735,000 | 523,000 | 600,000 |
| Securities available for sale | 4,266,000 | 44,992,000 | 7,832,000 | 8,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,266,000 | 69,869,000 | 62,763,000 | 38,503,000 |
| Interest-bearing deposits | 32,314,000 | 64,707,000 | 57,633,000 | 33,328,000 |
| Noninterest-bearing deposits | 4,952,000 | 5,162,000 | 5,130,000 | 5,175,000 |
| Equity capital | 3,879,000 | 4,993,000 | 6,145,000 | 5,959,000 |
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 | 844,000 | 1,779,000 | 3,845,000 | 4,992,000 |
| Interest expense | 348,000 | 777,000 | 2,332,000 | 3,077,000 |
| Net interest income | 496,000 | 1,002,000 | 1,513,000 | 1,915,000 |
| Noninterest income | 69,000 | 129,000 | 195,000 | 265,000 |
| Noninterest expense | 253,000 | 627,000 | 1,116,000 | 1,691,000 |
| Provision for loan losses | 45,000 | 0 | -215,000 | -215,000 |
| Pretax income | 267,000 | 456,000 | 1,752,000 | 1,609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 456,000 | 1,752,000 | 1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,611,000 | 4,725,000 | 5,982,000 | 5,784,000 |
| Total capital | 4,099,000 | 5,342,000 | 6,487,000 | 6,262,000 |
| Risk-weighted assets | 38,713,000 | 49,205,000 | 40,400,000 | 38,187,000 |