Call reports 2007
EQUITY BANK — 2007
What EQUITY 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 | 198,954,000 | 226,965,000 | 228,122,000 | 286,986,000 |
| Total loans | 155,837,000 | 175,642,000 | 175,544,000 | 223,359,000 |
| Allowance for loan losses | 956,000 | 978,000 | 967,000 | 1,550,000 |
| Securities available for sale | 25,995,000 | 33,989,000 | 35,691,000 | 39,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,799,000 | 182,880,000 | 170,704,000 | 214,011,000 |
| Interest-bearing deposits | 149,114,000 | 165,960,000 | 151,724,000 | 193,261,000 |
| Noninterest-bearing deposits | 15,685,000 | 16,920,000 | 18,980,000 | 20,750,000 |
| Equity capital | 21,181,000 | 23,260,000 | 23,829,000 | 32,769,000 |
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 | 3,434,000 | 7,269,000 | 11,423,000 | 15,810,000 |
| Interest expense | 1,683,000 | 3,645,000 | 5,786,000 | 7,902,000 |
| Net interest income | 1,751,000 | 3,624,000 | 5,637,000 | 7,908,000 |
| Noninterest income | 936,000 | 2,109,000 | 3,229,000 | 4,346,000 |
| Noninterest expense | 2,436,000 | 5,102,000 | 7,715,000 | 10,516,000 |
| Provision for loan losses | 5,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 246,000 | 591,000 | 1,116,000 | 1,703,000 |
| Income tax | 89,000 | 205,000 | 393,000 | 619,000 |
| Net income | 157,000 | 386,000 | 723,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,054,000 | 17,308,000 | 17,622,000 | 22,806,000 |
| Total capital | 16,010,000 | 18,286,000 | 18,589,000 | 24,356,000 |
| Risk-weighted assets | 154,431,000 | 170,003,000 | 170,063,000 | 223,828,000 |