Call reports 2007
CF BANCORP — 2007
What CF BANCORP 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 | 1,787,314,000 | 1,779,722,000 | 1,816,051,000 | 1,795,681,000 |
| Total loans | 1,622,129,000 | 1,554,160,000 | 1,568,198,000 | 1,543,916,000 |
| Allowance for loan losses | 14,490,000 | 14,327,000 | 20,873,000 | 21,464,000 |
| Securities available for sale | 56,957,000 | 104,625,000 | 118,519,000 | 127,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 221,000 | 0 | 0 | 0 |
| Total deposits | 1,194,121,000 | 1,126,718,000 | 1,202,243,000 | 1,198,538,000 |
| Interest-bearing deposits | 1,085,517,000 | 1,020,122,000 | 1,093,045,000 | 1,106,684,000 |
| Noninterest-bearing deposits | 108,604,000 | 106,596,000 | 109,198,000 | 91,854,000 |
| Equity capital | 160,373,000 | 162,842,000 | 161,931,000 | 153,362,000 |
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 | 29,200,000 | 58,832,000 | 88,209,000 | 116,563,000 |
| Interest expense | 15,732,000 | 31,783,000 | 48,158,000 | 64,542,000 |
| Net interest income | 13,468,000 | 27,049,000 | 40,051,000 | 52,021,000 |
| Noninterest income | 2,941,000 | 5,270,000 | 8,226,000 | 11,250,000 |
| Noninterest expense | 11,181,000 | 22,920,000 | 34,452,000 | 47,058,000 |
| Provision for loan losses | 1,259,000 | 1,750,000 | 9,306,000 | 12,342,000 |
| Pretax income | 3,969,000 | 7,623,000 | 4,461,000 | 3,939,000 |
| Income tax | 1,273,000 | 2,201,000 | 936,000 | 418,000 |
| Net income | 2,696,000 | 5,422,000 | 3,525,000 | 3,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,100,000 | 150,539,000 | 148,743,000 | 140,039,000 |
| Total capital | 164,647,000 | 164,923,000 | 167,502,000 | 158,627,000 |
| Risk-weighted assets | 1,533,169,000 | 1,499,662,000 | 1,505,871,000 | 1,496,258,000 |