Call reports 2007
INBANK — 2007
What INBANK 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 | 179,831,000 | 176,536,000 | 180,314,000 | 183,643,000 |
| Total loans | 112,763,000 | 118,641,000 | 113,921,000 | 122,542,000 |
| Allowance for loan losses | 1,210,000 | 1,211,000 | 1,249,000 | 1,293,000 |
| Securities available for sale | 42,812,000 | 42,609,000 | 39,662,000 | 40,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,298,000 | 161,206,000 | 164,526,000 | 167,797,000 |
| Interest-bearing deposits | 135,551,000 | 133,047,000 | 134,262,000 | 137,256,000 |
| Noninterest-bearing deposits | 28,747,000 | 28,159,000 | 30,264,000 | 30,541,000 |
| Equity capital | 14,730,000 | 14,646,000 | 14,994,000 | 15,346,000 |
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 | 3,152,000 | 6,391,000 | 9,611,000 | 12,896,000 |
| Interest expense | 1,269,000 | 2,600,000 | 3,891,000 | 5,044,000 |
| Net interest income | 1,883,000 | 3,791,000 | 5,720,000 | 7,852,000 |
| Noninterest income | 267,000 | 568,000 | 902,000 | 1,203,000 |
| Noninterest expense | 1,336,000 | 2,640,000 | 3,962,000 | 5,285,000 |
| Provision for loan losses | 10,000 | 22,000 | 59,000 | 159,000 |
| Pretax income | 804,000 | 1,697,000 | 2,601,000 | 3,611,000 |
| Income tax | 274,000 | 583,000 | 895,000 | 1,244,000 |
| Net income | 530,000 | 1,114,000 | 1,706,000 | 2,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,814,000 | 14,848,000 | 14,864,000 | 15,001,000 |
| Total capital | 16,034,000 | 16,069,000 | 16,123,000 | 16,303,000 |
| Risk-weighted assets | 121,529,000 | 125,324,000 | 122,758,000 | 129,372,000 |