Call reports 2007
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2007
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 191,227,000 | 194,002,000 | 192,996,000 | 186,731,000 |
| Total loans | 99,955,000 | 101,716,000 | 105,552,000 | 107,438,000 |
| Allowance for loan losses | 1,330,000 | 1,294,000 | 1,325,000 | 1,468,000 |
| Securities available for sale | 72,269,000 | 64,898,000 | 64,170,000 | 61,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,173,000 | 168,358,000 | 167,107,000 | 165,168,000 |
| Interest-bearing deposits | 139,531,000 | 143,893,000 | 143,078,000 | 139,719,000 |
| Noninterest-bearing deposits | 25,642,000 | 24,465,000 | 24,029,000 | 25,449,000 |
| Equity capital | 18,787,000 | 18,293,000 | 19,205,000 | 18,466,000 |
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 | 2,747,000 | 5,613,000 | 8,544,000 | 11,480,000 |
| Interest expense | 1,290,000 | 2,562,000 | 3,893,000 | 5,157,000 |
| Net interest income | 1,457,000 | 3,051,000 | 4,651,000 | 6,323,000 |
| Noninterest income | 273,000 | 598,000 | 905,000 | 1,196,000 |
| Noninterest expense | 1,305,000 | 2,631,000 | 3,925,000 | 5,027,000 |
| Provision for loan losses | 33,000 | 76,000 | 109,000 | 199,000 |
| Pretax income | 445,000 | 1,007,000 | 1,587,000 | 2,294,000 |
| Income tax | 6,000 | 11,000 | 15,000 | 83,000 |
| Net income | 439,000 | 996,000 | 1,572,000 | 2,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,162,000 | 18,276,000 | 18,663,000 | 18,516,000 |
| Total capital | 19,492,000 | 19,570,000 | 19,988,000 | 19,984,000 |
| Risk-weighted assets | 118,454,000 | 117,253,000 | 120,604,000 | 123,543,000 |