Call reports 2007
LEADERS BANK, THE — 2007
What LEADERS BANK, THE 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 | 380,609,000 | 404,148,000 | 433,123,000 | 461,553,000 |
| Total loans | 339,858,000 | 356,270,000 | 378,561,000 | 395,106,000 |
| Allowance for loan losses | 4,118,000 | 4,276,000 | 4,543,000 | 4,846,000 |
| Securities available for sale | 26,411,000 | 25,491,000 | 25,414,000 | 24,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,755,000 | 366,386,000 | 392,684,000 | 415,765,000 |
| Interest-bearing deposits | 317,455,000 | 341,313,000 | 364,927,000 | 386,111,000 |
| Noninterest-bearing deposits | 25,299,000 | 25,073,000 | 27,757,000 | 29,654,000 |
| Equity capital | 33,054,000 | 35,319,000 | 37,322,000 | 40,611,000 |
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 | 7,081,000 | 14,226,000 | 21,940,000 | 29,689,000 |
| Interest expense | 3,788,000 | 7,753,000 | 12,087,000 | 16,621,000 |
| Net interest income | 3,293,000 | 6,473,000 | 9,853,000 | 13,068,000 |
| Noninterest income | 207,000 | 442,000 | 694,000 | 917,000 |
| Noninterest expense | 2,413,000 | 4,974,000 | 7,514,000 | 10,050,000 |
| Provision for loan losses | 0 | 138,000 | 385,000 | 465,000 |
| Pretax income | 1,087,000 | 1,803,000 | 2,648,000 | 3,470,000 |
| Income tax | 367,000 | 605,000 | 901,000 | 1,119,000 |
| Net income | 720,000 | 1,198,000 | 1,747,000 | 2,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,174,000 | 35,652,000 | 37,450,000 | 40,554,000 |
| Total capital | 37,292,000 | 39,927,000 | 41,993,000 | 45,400,000 |
| Risk-weighted assets | 369,857,000 | 391,711,000 | 415,763,000 | 440,904,000 |