Call reports 2007
BANK OF CHOICE — 2007
What BANK OF CHOICE 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 | 468,975,000 | 474,638,000 | 533,617,000 | 547,039,000 |
| Total loans | 382,346,000 | 396,505,000 | 417,494,000 | 423,572,000 |
| Allowance for loan losses | 4,117,000 | 4,310,000 | 4,282,000 | 4,643,000 |
| Securities available for sale | 10,440,000 | 9,381,000 | 8,505,000 | 9,550,000 |
| Securities held to maturity | 17,230,000 | 19,532,000 | 20,768,000 | 20,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,254,000 | 345,636,000 | 412,676,000 | 424,009,000 |
| Interest-bearing deposits | 322,662,000 | 315,278,000 | 380,762,000 | 386,905,000 |
| Noninterest-bearing deposits | 33,592,000 | 30,358,000 | 31,914,000 | 37,104,000 |
| Equity capital | 38,621,000 | 39,922,000 | 42,132,000 | 42,792,000 |
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 | 8,156,000 | 16,745,000 | 25,857,000 | 35,208,000 |
| Interest expense | 4,431,000 | 9,173,000 | 14,327,000 | 19,917,000 |
| Net interest income | 3,725,000 | 7,572,000 | 11,530,000 | 15,291,000 |
| Noninterest income | 507,000 | 1,058,000 | 1,659,000 | 2,221,000 |
| Noninterest expense | 2,966,000 | 6,156,000 | 9,680,000 | 13,160,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 | 1,080,000 |
| Pretax income | 996,000 | 1,934,000 | 2,699,000 | 3,272,000 |
| Income tax | 322,000 | 615,000 | 841,000 | 996,000 |
| Net income | 674,000 | 1,319,000 | 1,858,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,624,000 | 39,970,000 | 42,108,000 | 42,727,000 |
| Total capital | 42,741,000 | 44,280,000 | 46,390,000 | 47,370,000 |
| Risk-weighted assets | 425,442,000 | 436,665,000 | 462,256,000 | 473,149,000 |