Call reports 2007
SOUTHWESTUSA BANK — 2007
What SOUTHWESTUSA 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 | 160,397,000 | 155,155,000 | 157,128,000 | 152,687,000 |
| Total loans | 142,349,000 | 127,642,000 | 133,729,000 | 137,448,000 |
| Allowance for loan losses | 1,808,000 | 1,817,000 | 1,625,000 | 1,634,000 |
| Securities available for sale | 8,420,000 | 8,394,000 | 8,427,000 | 4,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,761,000 | 128,275,000 | 129,842,000 | 124,328,000 |
| Interest-bearing deposits | 113,091,000 | 109,411,000 | 108,293,000 | 108,136,000 |
| Noninterest-bearing deposits | 21,670,000 | 18,864,000 | 21,549,000 | 16,192,000 |
| Equity capital | 24,401,000 | 25,038,000 | 25,668,000 | 26,225,000 |
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 | 3,826,000 | 7,419,000 | 10,824,000 | 14,370,000 |
| Interest expense | 1,446,000 | 2,768,000 | 3,953,000 | 5,063,000 |
| Net interest income | 2,380,000 | 4,651,000 | 6,871,000 | 9,307,000 |
| Noninterest income | 105,000 | 139,000 | 298,000 | 380,000 |
| Noninterest expense | 1,353,000 | 2,786,000 | 4,286,000 | 6,000,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,132,000 | 2,004,000 | 2,883,000 | 3,687,000 |
| Income tax | 447,000 | 682,000 | 980,000 | 1,250,000 |
| Net income | 685,000 | 1,322,000 | 1,903,000 | 2,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,412,000 | 25,072,000 | 25,665,000 | 26,212,000 |
| Total capital | 26,377,000 | 27,046,000 | 27,447,000 | 28,003,000 |
| Risk-weighted assets | 146,388,000 | 134,500,000 | 139,169,000 | 143,918,000 |