Call reports 2007
HEIGHTS BANK, THE — 2007
What HEIGHTS 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 | 42,259,000 | 40,897,000 | 44,956,000 | 45,568,000 |
| Total loans | 35,898,000 | 35,695,000 | 35,642,000 | 35,164,000 |
| Allowance for loan losses | 716,000 | 709,000 | 705,000 | 708,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,666,000 | 3,665,000 | 3,664,000 | 3,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,089,000 | 31,791,000 | 35,776,000 | 36,413,000 |
| Interest-bearing deposits | 28,104,000 | 27,892,000 | 31,130,000 | 32,142,000 |
| Noninterest-bearing deposits | 4,985,000 | 3,899,000 | 4,646,000 | 4,271,000 |
| Equity capital | 4,060,000 | 4,034,000 | 4,093,000 | 4,042,000 |
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 | 678,000 | 1,364,000 | 2,067,000 | 2,783,000 |
| Interest expense | 310,000 | 620,000 | 944,000 | 1,302,000 |
| Net interest income | 368,000 | 744,000 | 1,123,000 | 1,481,000 |
| Noninterest income | 44,000 | 92,000 | 132,000 | 186,000 |
| Noninterest expense | 259,000 | 509,000 | 769,000 | 1,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 153,000 | 327,000 | 486,000 | 660,000 |
| Income tax | 9,000 | 9,000 | 9,000 | 9,000 |
| Net income | 144,000 | 318,000 | 477,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,060,000 | 4,034,000 | 4,093,000 | 4,042,000 |
| Total capital | 4,386,000 | 4,358,000 | 4,427,000 | 4,371,000 |
| Risk-weighted assets | 25,692,000 | 25,566,000 | 26,360,000 | 25,921,000 |