Call reports 2007
SMALL BUSINESS BANK — 2007
What SMALL BUSINESS 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 | 94,131,000 | 90,794,000 | 88,057,000 | 85,341,000 |
| Total loans | 66,501,000 | 66,799,000 | 67,238,000 | 66,936,000 |
| Allowance for loan losses | 657,000 | 621,000 | 565,000 | 586,000 |
| Securities available for sale | 18,271,000 | 15,810,000 | 12,492,000 | 9,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,910,000 | 69,393,000 | 62,874,000 | 58,495,000 |
| Interest-bearing deposits | 58,753,000 | 53,711,000 | 51,276,000 | 45,914,000 |
| Noninterest-bearing deposits | 13,157,000 | 15,682,000 | 11,598,000 | 12,581,000 |
| Equity capital | 6,939,000 | 7,020,000 | 7,274,000 | 7,471,000 |
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 | 1,569,000 | 3,034,000 | 4,481,000 | 5,894,000 |
| Interest expense | 748,000 | 1,445,000 | 2,104,000 | 2,728,000 |
| Net interest income | 821,000 | 1,589,000 | 2,377,000 | 3,166,000 |
| Noninterest income | 157,000 | 334,000 | 525,000 | 711,000 |
| Noninterest expense | 865,000 | 1,593,000 | 2,340,000 | 3,084,000 |
| Provision for loan losses | 14,000 | 18,000 | 21,000 | 51,000 |
| Pretax income | 43,000 | 249,000 | 467,000 | 679,000 |
| Income tax | 13,000 | 72,000 | 162,000 | 221,000 |
| Net income | 30,000 | 177,000 | 305,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,830,000 | 6,978,000 | 7,107,000 | 7,260,000 |
| Total capital | 7,487,000 | 7,599,000 | 7,672,000 | 7,846,000 |
| Risk-weighted assets | 65,829,000 | 64,985,000 | 65,549,000 | 65,464,000 |