Call reports 2007
FIRSTCITY BANK — 2007
What FIRSTCITY 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 | 224,682,000 | 243,715,000 | 251,795,000 | 256,958,000 |
| Total loans | 198,099,000 | 209,743,000 | 214,245,000 | 214,991,000 |
| Allowance for loan losses | 2,303,000 | 2,446,000 | 2,626,000 | 3,645,000 |
| Securities available for sale | 3,722,000 | 3,723,000 | 3,256,000 | 3,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,965,000 | 219,568,000 | 227,391,000 | 230,536,000 |
| Interest-bearing deposits | 182,876,000 | 207,580,000 | 215,960,000 | 219,205,000 |
| Noninterest-bearing deposits | 14,089,000 | 11,988,000 | 11,431,000 | 11,331,000 |
| Equity capital | 18,317,000 | 19,954,000 | 20,268,000 | 19,714,000 |
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 | 5,180,000 | 10,833,000 | 16,540,000 | 21,789,000 |
| Interest expense | 2,246,000 | 4,946,000 | 7,697,000 | 10,436,000 |
| Net interest income | 2,934,000 | 5,887,000 | 8,843,000 | 11,353,000 |
| Noninterest income | 103,000 | 201,000 | 328,000 | 250,000 |
| Noninterest expense | 1,516,000 | 3,121,000 | 4,716,000 | 6,139,000 |
| Provision for loan losses | 185,000 | 435,000 | 760,000 | 2,335,000 |
| Pretax income | 1,338,000 | 2,534,000 | 3,697,000 | 3,131,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,338,000 | 2,534,000 | 3,697,000 | 3,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,342,000 | 19,984,000 | 20,274,000 | 19,708,000 |
| Total capital | 20,645,000 | 22,430,000 | 22,900,000 | 22,515,000 |
| Risk-weighted assets | 204,569,000 | 219,560,000 | 227,042,000 | 223,745,000 |