Call reports 2007
BANK OF LUMBER CITY — 2007
What BANK OF LUMBER CITY 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 | 24,103,000 | 24,138,000 | 21,757,000 | 21,535,000 |
| Total loans | 13,914,000 | 13,780,000 | 13,181,000 | 13,021,000 |
| Allowance for loan losses | 306,000 | 312,000 | 313,000 | 308,000 |
| Securities available for sale | 4,028,000 | 5,246,000 | 5,351,000 | 4,874,000 |
| Securities held to maturity | 536,000 | 505,000 | 476,000 | 425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,090,000 | 20,141,000 | 17,668,000 | 17,393,000 |
| Interest-bearing deposits | 16,866,000 | 16,912,000 | 14,869,000 | 14,443,000 |
| Noninterest-bearing deposits | 3,224,000 | 3,229,000 | 2,799,000 | 2,950,000 |
| Equity capital | 3,919,000 | 3,898,000 | 3,959,000 | 4,009,000 |
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 | 424,000 | 850,000 | 1,253,000 | 1,613,000 |
| Interest expense | 169,000 | 343,000 | 508,000 | 663,000 |
| Net interest income | 255,000 | 507,000 | 745,000 | 950,000 |
| Noninterest income | 73,000 | 165,000 | 246,000 | 361,000 |
| Noninterest expense | 275,000 | 591,000 | 893,000 | 1,216,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 82,000 | 99,000 | 96,000 |
| Income tax | 6,000 | 5,000 | 12,000 | -23,000 |
| Net income | 48,000 | 77,000 | 87,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,923,000 | 3,953,000 | 3,962,000 | 3,995,000 |
| Total capital | 4,116,000 | 4,147,000 | 4,145,000 | 4,175,000 |
| Risk-weighted assets | 15,347,000 | 15,434,000 | 14,489,000 | 14,265,000 |