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 | 193,473,000 | 193,399,000 | 197,791,000 | 195,340,000 |
| Total loans | 152,391,000 | 154,040,000 | 157,644,000 | 156,216,000 |
| Allowance for loan losses | 1,685,000 | 1,821,000 | 2,001,000 | 1,537,000 |
| Securities available for sale | 30,804,000 | 28,016,000 | 30,626,000 | 31,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,087,000 | 164,054,000 | 172,419,000 | 172,422,000 |
| Interest-bearing deposits | 162,057,000 | 158,126,000 | 164,604,000 | 166,676,000 |
| Noninterest-bearing deposits | 3,030,000 | 5,928,000 | 7,815,000 | 5,746,000 |
| Equity capital | 20,094,000 | 19,635,000 | 19,954,000 | 19,453,000 |
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 | 4,176,000 | 8,452,000 | 12,641,000 | 16,554,000 |
| Interest expense | 1,283,000 | 2,741,000 | 4,191,000 | 5,596,000 |
| Net interest income | 2,893,000 | 5,711,000 | 8,450,000 | 10,958,000 |
| Noninterest income | 550,000 | 1,080,000 | 1,319,000 | 1,770,000 |
| Noninterest expense | 1,866,000 | 3,655,000 | 5,522,000 | 7,912,000 |
| Provision for loan losses | 50,000 | 200,000 | 350,000 | 839,000 |
| Pretax income | 1,530,000 | 2,939,000 | 3,900,000 | 4,063,000 |
| Income tax | 17,000 | 33,000 | 43,000 | -192,000 |
| Net income | 1,513,000 | 2,906,000 | 3,857,000 | 4,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,013,000 | 19,856,000 | 19,758,000 | 19,105,000 |
| Total capital | 21,770,000 | 21,763,000 | 21,852,000 | 20,677,000 |
| Risk-weighted assets | 165,551,000 | 172,832,000 | 173,061,000 | 169,726,000 |