Call reports 2007
MENARD BANK — 2007
What MENARD 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 | 29,390,000 | 29,982,000 | 30,861,000 | 31,920,000 |
| Total loans | 11,724,000 | 12,305,000 | 14,259,000 | 14,185,000 |
| Allowance for loan losses | 133,000 | 133,000 | 138,000 | 145,000 |
| Securities available for sale | 12,707,000 | 11,569,000 | 9,831,000 | 9,056,000 |
| Securities held to maturity | 2,921,000 | 2,712,000 | 2,884,000 | 4,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,978,000 | 26,521,000 | 27,185,000 | 28,388,000 |
| Interest-bearing deposits | 21,833,000 | 21,909,000 | 22,538,000 | 23,620,000 |
| Noninterest-bearing deposits | 4,145,000 | 4,612,000 | 4,647,000 | 4,768,000 |
| Equity capital | 3,381,000 | 3,433,000 | 3,623,000 | 3,496,000 |
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 | 401,000 | 803,000 | 1,220,000 | 1,663,000 |
| Interest expense | 154,000 | 315,000 | 489,000 | 655,000 |
| Net interest income | 247,000 | 488,000 | 731,000 | 1,008,000 |
| Noninterest income | 27,000 | 55,000 | 84,000 | 109,000 |
| Noninterest expense | 197,000 | 388,000 | 582,000 | 803,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 11,000 |
| Pretax income | 77,000 | 155,000 | 228,000 | 303,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 77,000 | 155,000 | 228,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,586,000 | 3,665,000 | 3,737,000 | 3,537,000 |
| Total capital | 3,719,000 | 3,798,000 | 3,875,000 | 3,682,000 |
| Risk-weighted assets | 15,523,000 | 16,127,000 | 17,953,000 | 18,363,000 |