Call reports 2007
BANK OF ELMWOOD — 2007
What BANK OF ELMWOOD 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 | 336,524,000 | 341,552,000 | 352,103,000 | 366,229,000 |
| Total loans | 287,166,000 | 291,489,000 | 305,496,000 | 302,314,000 |
| Allowance for loan losses | 3,629,000 | 3,590,000 | 3,671,000 | 3,475,000 |
| Securities available for sale | 25,682,000 | 24,040,000 | 22,954,000 | 28,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,089,000 | 249,428,000 | 259,734,000 | 269,909,000 |
| Interest-bearing deposits | 216,723,000 | 218,979,000 | 235,361,000 | 244,639,000 |
| Noninterest-bearing deposits | 30,367,000 | 30,448,000 | 24,373,000 | 25,270,000 |
| Equity capital | 24,802,000 | 24,871,000 | 25,608,000 | 26,022,000 |
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 | 5,794,000 | 11,641,000 | 17,647,000 | 23,785,000 |
| Interest expense | 2,575,000 | 5,190,000 | 7,947,000 | 10,882,000 |
| Net interest income | 3,219,000 | 6,451,000 | 9,700,000 | 12,903,000 |
| Noninterest income | 487,000 | 1,086,000 | 1,500,000 | 1,896,000 |
| Noninterest expense | 2,733,000 | 5,620,000 | 8,338,000 | 11,081,000 |
| Provision for loan losses | 0 | 0 | 142,000 | 203,000 |
| Pretax income | 973,000 | 1,917,000 | 2,720,000 | 3,515,000 |
| Income tax | 2,000 | 1,000 | 3,000 | 4,000 |
| Net income | 971,000 | 1,916,000 | 2,717,000 | 3,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,834,000 | 25,231,000 | 25,570,000 | 26,112,000 |
| Total capital | 27,753,000 | 28,121,000 | 28,892,000 | 29,340,000 |
| Risk-weighted assets | 241,883,000 | 230,506,000 | 265,378,000 | 257,954,000 |