Call reports 2007
NEW ALBIN SAVINGS BANK — 2007
What NEW ALBIN SAVINGS 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 | 139,928,000 | 140,244,000 | 146,721,000 | 161,789,000 |
| Total loans | 48,000,000 | 49,078,000 | 49,264,000 | 50,782,000 |
| Allowance for loan losses | 435,000 | 283,000 | 285,000 | 308,000 |
| Securities available for sale | 85,923,000 | 87,752,000 | 93,789,000 | 107,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,718,000 | 108,758,000 | 112,691,000 | 114,176,000 |
| Interest-bearing deposits | 101,986,000 | 103,925,000 | 107,313,000 | 108,059,000 |
| Noninterest-bearing deposits | 5,732,000 | 4,833,000 | 5,378,000 | 6,117,000 |
| Equity capital | 17,197,000 | 17,040,000 | 17,826,000 | 18,518,000 |
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 | 1,890,000 | 3,836,000 | 5,845,000 | 7,982,000 |
| Interest expense | 1,280,000 | 2,603,000 | 3,988,000 | 5,444,000 |
| Net interest income | 610,000 | 1,233,000 | 1,857,000 | 2,538,000 |
| Noninterest income | 17,000 | 36,000 | 58,000 | 84,000 |
| Noninterest expense | 242,000 | 483,000 | 752,000 | 1,128,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 355,000 | 746,000 | 1,123,000 | 1,454,000 |
| Income tax | 31,000 | 52,000 | 80,000 | 88,000 |
| Net income | 324,000 | 694,000 | 1,043,000 | 1,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,187,000 | 16,557,000 | 16,906,000 | 17,019,000 |
| Total capital | 16,622,000 | 16,840,000 | 17,191,000 | 17,327,000 |
| Risk-weighted assets | 138,838,000 | 139,842,000 | 145,624,000 | 159,737,000 |