Call reports 2007
SAVINGS BANK, THE — 2007
What SAVINGS BANK, THE 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 | 393,996,000 | 389,800,000 | 384,168,000 | 381,236,000 |
| Total loans | 174,931,000 | 175,002,000 | 180,829,000 | 188,034,000 |
| Allowance for loan losses | 1,254,000 | 1,264,000 | 1,331,000 | 1,402,000 |
| Securities available for sale | 107,698,000 | 110,491,000 | 108,123,000 | 97,169,000 |
| Securities held to maturity | 45,099,000 | 43,372,000 | 43,146,000 | 40,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,760,000 | 334,110,000 | 327,603,000 | 324,586,000 |
| Interest-bearing deposits | 301,895,000 | 296,696,000 | 293,770,000 | 288,476,000 |
| Noninterest-bearing deposits | 35,865,000 | 37,414,000 | 33,833,000 | 36,110,000 |
| Equity capital | 54,363,000 | 53,914,000 | 54,357,000 | 54,463,000 |
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 | 4,321,000 | 8,689,000 | 13,057,000 | 17,409,000 |
| Interest expense | 2,102,000 | 4,277,000 | 6,452,000 | 8,623,000 |
| Net interest income | 2,219,000 | 4,412,000 | 6,605,000 | 8,786,000 |
| Noninterest income | 1,311,000 | 2,727,000 | 4,058,000 | 5,378,000 |
| Noninterest expense | 3,966,000 | 7,687,000 | 11,664,000 | 15,448,000 |
| Provision for loan losses | -522,000 | -508,000 | -440,000 | -369,000 |
| Pretax income | 254,000 | 213,000 | -3,000 | -21,000 |
| Income tax | 3,000 | 50,000 | -38,000 | -47,000 |
| Net income | 251,000 | 163,000 | 35,000 | 26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,866,000 | 46,909,000 | 46,913,000 | 46,879,000 |
| Total capital | 50,410,000 | 50,282,000 | 50,319,000 | 50,131,000 |
| Risk-weighted assets | 220,128,000 | 219,167,000 | 220,566,000 | 220,473,000 |