Call reports 2007
XENITH BANK — 2007
What XENITH 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 | 137,477,000 | 147,301,000 | 163,904,000 | 179,386,000 |
| Total loans | 78,310,000 | 86,313,000 | 96,949,000 | 104,728,000 |
| Allowance for loan losses | 827,000 | 863,000 | 920,000 | 942,000 |
| Securities available for sale | 51,153,000 | 49,671,000 | 56,705,000 | 62,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,855,000 | 107,828,000 | 109,362,000 | 113,748,000 |
| Interest-bearing deposits | 82,260,000 | 92,303,000 | 94,921,000 | 98,634,000 |
| Noninterest-bearing deposits | 13,595,000 | 15,525,000 | 14,441,000 | 15,114,000 |
| Equity capital | 16,006,000 | 15,989,000 | 16,278,000 | 16,706,000 |
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 | 1,838,000 | 3,834,000 | 6,044,000 | 8,552,000 |
| Interest expense | 920,000 | 1,952,000 | 3,167,000 | 4,530,000 |
| Net interest income | 918,000 | 1,882,000 | 2,877,000 | 4,022,000 |
| Noninterest income | 130,000 | 244,000 | 358,000 | 460,000 |
| Noninterest expense | 828,000 | 1,704,000 | 2,496,000 | 3,451,000 |
| Provision for loan losses | 0 | 33,000 | 89,000 | 111,000 |
| Pretax income | 220,000 | 389,000 | 650,000 | 920,000 |
| Income tax | 48,000 | 105,000 | 203,000 | 313,000 |
| Net income | 172,000 | 284,000 | 447,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,164,000 | 16,276,000 | 16,484,000 | 16,639,000 |
| Total capital | 16,991,000 | 17,139,000 | 17,404,000 | 17,581,000 |
| Risk-weighted assets | 85,610,000 | 95,459,000 | 107,586,000 | 117,549,000 |