Call reports 2007
BANK OF WALKER COUNTY — 2007
What BANK OF WALKER COUNTY 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 | 62,718,000 | 65,101,000 | 68,648,000 | 68,164,000 |
| Total loans | 44,207,000 | 47,197,000 | 49,378,000 | 49,842,000 |
| Allowance for loan losses | 445,000 | 474,000 | 518,000 | 537,000 |
| Securities available for sale | 9,508,000 | 9,535,000 | 13,812,000 | 14,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,031,000 | 53,387,000 | 52,077,000 | 51,369,000 |
| Interest-bearing deposits | 44,009,000 | 45,781,000 | 45,050,000 | 44,571,000 |
| Noninterest-bearing deposits | 7,022,000 | 7,606,000 | 7,027,000 | 6,798,000 |
| Equity capital | 8,506,000 | 8,445,000 | 8,316,000 | 8,443,000 |
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 | 980,000 | 2,097,000 | 3,270,000 | 4,459,000 |
| Interest expense | 446,000 | 975,000 | 1,521,000 | 2,121,000 |
| Net interest income | 534,000 | 1,122,000 | 1,749,000 | 2,338,000 |
| Noninterest income | 61,000 | 144,000 | 265,000 | 371,000 |
| Noninterest expense | 482,000 | 1,031,000 | 1,501,000 | 2,047,000 |
| Provision for loan losses | 28,000 | 56,000 | 110,000 | 142,000 |
| Pretax income | 85,000 | 179,000 | 403,000 | 520,000 |
| Income tax | 31,000 | 42,000 | 137,000 | 160,000 |
| Net income | 54,000 | 137,000 | 266,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,567,000 | 8,599,000 | 8,383,000 | 8,486,000 |
| Total capital | 9,012,000 | 9,073,000 | 8,901,000 | 9,023,000 |
| Risk-weighted assets | 45,924,000 | 49,328,000 | 51,749,000 | 46,869,000 |