Call reports 2007
TRADERS BANK — 2007
What TRADERS 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 | 107,858,000 | 109,286,000 | 107,151,000 | 106,673,000 |
| Total loans | 65,676,000 | 65,080,000 | 64,377,000 | 64,089,000 |
| Allowance for loan losses | 1,797,000 | 1,805,000 | 1,854,000 | 1,671,000 |
| Securities available for sale | 17,781,000 | 21,587,000 | 21,468,000 | 19,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,525,000 | 97,952,000 | 95,411,000 | 94,596,000 |
| Interest-bearing deposits | 73,655,000 | 73,621,000 | 71,776,000 | 71,988,000 |
| Noninterest-bearing deposits | 22,870,000 | 24,331,000 | 23,635,000 | 22,608,000 |
| Equity capital | 10,967,000 | 10,938,000 | 11,374,000 | 11,600,000 |
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 | 1,722,000 | 3,483,000 | 5,260,000 | 7,002,000 |
| Interest expense | 610,000 | 1,218,000 | 1,827,000 | 2,426,000 |
| Net interest income | 1,112,000 | 2,265,000 | 3,433,000 | 4,576,000 |
| Noninterest income | 326,000 | 840,000 | 1,141,000 | 1,447,000 |
| Noninterest expense | 990,000 | 2,131,000 | 3,080,000 | 4,368,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | -120,000 |
| Pretax income | 390,000 | 916,000 | 1,434,000 | 1,777,000 |
| Income tax | 0 | 22,000 | 56,000 | 111,000 |
| Net income | 390,000 | 894,000 | 1,378,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,032,000 | 11,305,000 | 11,488,000 | 11,496,000 |
| Total capital | 11,868,000 | 12,134,000 | 12,308,000 | 12,309,000 |
| Risk-weighted assets | 65,866,000 | 65,307,000 | 64,543,000 | 63,994,000 |