Call reports 2007
INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. — 2007
What INDEPENDENT CORRESPONDENT BANKERS' BANK, 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 | 64,233,000 | 64,738,000 | 66,532,000 | 59,360,000 |
| Total loans | 45,205,000 | 48,155,000 | 49,174,000 | 43,620,000 |
| Allowance for loan losses | 453,000 | 483,000 | 511,000 | 581,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,649,000 | 21,904,000 | 23,863,000 | 29,103,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 28,650,000 | 21,904,000 | 23,863,000 | 29,103,000 |
| Equity capital | 7,661,000 | 7,873,000 | 8,058,000 | 8,268,000 |
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 | 789,000 | 1,718,000 | 2,653,000 | 3,534,000 |
| Interest expense | 344,000 | 739,000 | 1,159,000 | 1,515,000 |
| Net interest income | 445,000 | 979,000 | 1,494,000 | 2,019,000 |
| Noninterest income | 1,221,000 | 2,506,000 | 3,668,000 | 4,770,000 |
| Noninterest expense | 1,407,000 | 2,844,000 | 4,191,000 | 5,404,000 |
| Provision for loan losses | 12,000 | 42,000 | 70,000 | 140,000 |
| Pretax income | 247,000 | 599,000 | 901,000 | 1,245,000 |
| Income tax | 92,000 | 232,000 | 349,000 | 483,000 |
| Net income | 155,000 | 367,000 | 552,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,661,000 | 7,873,000 | 8,058,000 | 8,268,000 |
| Total capital | 8,114,000 | 8,356,000 | 8,569,000 | 8,849,000 |
| Risk-weighted assets | 47,837,000 | 50,697,000 | 51,162,000 | 46,675,000 |