Call reports 2007
CREDICARD NATIONAL BANK — 2007
What CREDICARD NATIONAL 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 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 14,573,000 | 14,458,000 | 13,681,000 | 13,983,000 |
| Total loans | 11,957,000 | 11,306,000 | 10,330,000 | 10,881,000 |
| Allowance for loan losses | 115,000 | 132,000 | 162,000 | 162,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,629,000 | 11,615,000 | 11,007,000 | 11,397,000 |
| Interest-bearing deposits | 11,179,000 | 11,293,000 | 10,718,000 | 11,170,000 |
| Noninterest-bearing deposits | 450,000 | 322,000 | 289,000 | 227,000 |
| Equity capital | 2,892,000 | 2,801,000 | 2,623,000 | 2,531,000 |
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 | 534,000 | 957,000 | 1,380,000 | 1,861,000 |
| Interest expense | 146,000 | 295,000 | 444,000 | 587,000 |
| Net interest income | 388,000 | 662,000 | 936,000 | 1,274,000 |
| Noninterest income | 2,000 | 7,000 | 8,000 | 10,000 |
| Noninterest expense | 330,000 | 654,000 | 1,037,000 | 1,420,000 |
| Provision for loan losses | 60,000 | 106,000 | 175,000 | 224,000 |
| Pretax income | 0 | -91,000 | -268,000 | -360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 0 | -91,000 | -268,000 | -360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,892,000 | 2,801,000 | 2,623,000 | 2,531,000 |
| Total capital | 3,007,000 | 2,933,000 | 2,780,000 | 2,693,000 |
| Risk-weighted assets | 13,880,000 | 13,443,000 | 12,544,000 | 13,057,000 |