Call reports 2007
NCW COMMUNITY BANK — 2007
What NCW COMMUNITY 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 |
|---|---|---|---|
| Total assets | 89,715,000 | 100,582,000 | 98,671,000 |
| Total loans | 82,429,000 | 88,989,000 | 90,779,000 |
| Allowance for loan losses | 1,241,000 | 1,288,000 | 1,319,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,200,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 77,894,000 | 91,010,000 | 88,431,000 |
| Interest-bearing deposits | 69,065,000 | 82,609,000 | 79,232,000 |
| Noninterest-bearing deposits | 8,829,000 | 8,401,000 | 9,199,000 |
| Equity capital | 8,882,000 | 9,171,000 | 9,617,000 |
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 |
|---|---|---|---|
| Interest income | 1,871,000 | 3,799,000 | 5,883,000 |
| Interest expense | 700,000 | 1,474,000 | 2,348,000 |
| Net interest income | 1,171,000 | 2,325,000 | 3,535,000 |
| Noninterest income | 44,000 | 103,000 | 156,000 |
| Noninterest expense | 734,000 | 1,515,000 | 2,329,000 |
| Provision for loan losses | 77,000 | 124,000 | 155,000 |
| Pretax income | 404,000 | 789,000 | 1,207,000 |
| Income tax | 136,000 | 270,000 | 408,000 |
| Net income | 268,000 | 519,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 8,882,000 | 9,171,000 | 9,617,000 |
| Total capital | 9,976,000 | 10,326,000 | 10,812,000 |
| Risk-weighted assets | 87,336,000 | 93,565,000 | 95,466,000 |