Call reports 2007
PASSUMPSIC SAVINGS BANK — 2007
What PASSUMPSIC SAVINGS 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 | 509,580,000 | 499,789,000 | 504,503,000 | 501,563,000 |
| Total loans | 394,245,000 | 393,155,000 | 384,311,000 | 384,500,000 |
| Allowance for loan losses | 5,458,000 | 5,457,000 | 5,333,000 | 5,172,000 |
| Securities available for sale | 56,859,000 | 50,894,000 | 59,054,000 | 59,587,000 |
| Securities held to maturity | 7,483,000 | 7,106,000 | 6,812,000 | 6,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,953,000 | 390,295,000 | 399,105,000 | 389,172,000 |
| Interest-bearing deposits | 367,332,000 | 374,804,000 | 379,896,000 | 374,640,000 |
| Noninterest-bearing deposits | 33,621,000 | 15,491,000 | 19,209,000 | 14,532,000 |
| Equity capital | 48,462,000 | 49,355,000 | 50,923,000 | 53,546,000 |
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 | 7,907,000 | 15,943,000 | 23,819,000 | 31,697,000 |
| Interest expense | 3,940,000 | 7,774,000 | 11,475,000 | 15,191,000 |
| Net interest income | 3,967,000 | 8,169,000 | 12,344,000 | 16,506,000 |
| Noninterest income | 943,000 | 2,105,000 | 3,280,000 | 4,184,000 |
| Noninterest expense | 4,069,000 | 8,163,000 | 12,042,000 | 16,016,000 |
| Provision for loan losses | 165,000 | 330,000 | 330,000 | 330,000 |
| Pretax income | 676,000 | 2,057,000 | 3,601,000 | 4,918,000 |
| Income tax | 49,000 | 264,000 | 591,000 | 890,000 |
| Net income | 627,000 | 1,793,000 | 3,010,000 | 4,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,576,000 | 38,185,000 | 39,385,000 | 41,573,000 |
| Total capital | 41,973,000 | 43,584,000 | 44,773,000 | 46,977,000 |
| Risk-weighted assets | 390,159,000 | 388,074,000 | 382,152,000 | 385,203,000 |