Call reports 2007
BANK OF CASHTON — 2007
What BANK OF CASHTON 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 | 49,898,000 | 50,274,000 | 49,534,000 | 49,383,000 |
| Total loans | 36,925,000 | 35,609,000 | 32,861,000 | 32,174,000 |
| Allowance for loan losses | 645,000 | 655,000 | 408,000 | 376,000 |
| Securities available for sale | 9,063,000 | 8,834,000 | 9,181,000 | 10,123,000 |
| Securities held to maturity | 35,000 | 25,000 | 25,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,808,000 | 43,270,000 | 42,677,000 | 43,534,000 |
| Interest-bearing deposits | 38,834,000 | 37,461,000 | 36,710,000 | 36,770,000 |
| Noninterest-bearing deposits | 4,974,000 | 5,809,000 | 5,967,000 | 6,764,000 |
| Equity capital | 4,392,000 | 4,375,000 | 4,817,000 | 4,833,000 |
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 | 703,000 | 1,501,000 | 2,287,000 | 3,052,000 |
| Interest expense | 393,000 | 788,000 | 1,175,000 | 1,544,000 |
| Net interest income | 310,000 | 713,000 | 1,112,000 | 1,508,000 |
| Noninterest income | 64,000 | 127,000 | 193,000 | 272,000 |
| Noninterest expense | 406,000 | 791,000 | 1,190,000 | 1,611,000 |
| Provision for loan losses | 12,000 | 50,000 | 315,000 | 315,000 |
| Pretax income | -44,000 | -1,000 | -200,000 | -146,000 |
| Income tax | 10,000 | 22,000 | -230,000 | -182,000 |
| Net income | -54,000 | -23,000 | 30,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,426,000 | 4,456,000 | 4,834,000 | 4,811,000 |
| Total capital | 4,936,000 | 4,948,000 | 5,242,000 | 5,082,000 |
| Risk-weighted assets | 40,001,000 | 38,571,000 | 37,859,000 | 39,805,000 |