Call reports 2007
TRI-COUNTY BANK — 2007
What TRI-COUNTY 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 | 46,877,000 | 51,018,000 | 53,549,000 | 54,616,000 |
| Total loans | 39,419,000 | 39,378,000 | 40,698,000 | 42,390,000 |
| Allowance for loan losses | 337,000 | 365,000 | 379,000 | 407,000 |
| Securities available for sale | 1,493,000 | 1,488,000 | 1,755,000 | 1,510,000 |
| Securities held to maturity | 728,000 | 728,000 | 728,000 | 728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,796,000 | 35,571,000 | 37,973,000 | 39,054,000 |
| Interest-bearing deposits | 30,888,000 | 32,266,000 | 34,273,000 | 36,292,000 |
| Noninterest-bearing deposits | 3,908,000 | 3,305,000 | 3,700,000 | 2,762,000 |
| Equity capital | 4,213,000 | 4,252,000 | 4,305,000 | 4,278,000 |
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 | 807,000 | 1,635,000 | 2,536,000 | 3,459,000 |
| Interest expense | 428,000 | 894,000 | 1,419,000 | 1,979,000 |
| Net interest income | 379,000 | 741,000 | 1,117,000 | 1,480,000 |
| Noninterest income | 93,000 | 227,000 | 358,000 | 449,000 |
| Noninterest expense | 389,000 | 794,000 | 1,211,000 | 1,686,000 |
| Provision for loan losses | 28,000 | 56,000 | 84,000 | 112,000 |
| Pretax income | 55,000 | 118,000 | 180,000 | 131,000 |
| Income tax | 15,000 | 35,000 | 55,000 | 37,000 |
| Net income | 40,000 | 83,000 | 125,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,217,000 | 4,260,000 | 4,302,000 | 4,271,000 |
| Total capital | 4,554,000 | 4,625,000 | 4,681,000 | 4,678,000 |
| Risk-weighted assets | 39,209,000 | 42,213,000 | 44,682,000 | 42,346,000 |