Call reports 2007
EXCEL BANK — 2007
What EXCEL 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 | 160,567,000 | 151,925,000 | 154,100,000 | 156,651,000 |
| Total loans | 90,225,000 | 88,117,000 | 87,482,000 | 95,503,000 |
| Allowance for loan losses | 1,366,000 | 1,411,000 | 1,425,000 | 1,521,000 |
| Securities available for sale | 56,210,000 | 54,545,000 | 53,095,000 | 46,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,865,000 | 113,405,000 | 112,699,000 | 114,386,000 |
| Interest-bearing deposits | 102,145,000 | 101,449,000 | 100,706,000 | 98,351,000 |
| Noninterest-bearing deposits | 14,720,000 | 11,956,000 | 11,993,000 | 16,035,000 |
| Equity capital | 11,871,000 | 11,309,000 | 12,027,000 | 12,290,000 |
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 | 2,480,000 | 4,849,000 | 7,255,000 | 9,680,000 |
| Interest expense | 1,467,000 | 2,896,000 | 4,359,000 | 5,797,000 |
| Net interest income | 1,013,000 | 1,953,000 | 2,896,000 | 3,883,000 |
| Noninterest income | 291,000 | 542,000 | 808,000 | 1,106,000 |
| Noninterest expense | 874,000 | 1,723,000 | 2,693,000 | 3,525,000 |
| Provision for loan losses | 51,000 | 98,000 | 145,000 | 776,000 |
| Pretax income | 388,000 | 683,000 | 875,000 | 747,000 |
| Income tax | 29,000 | 41,000 | 53,000 | 65,000 |
| Net income | 359,000 | 642,000 | 822,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,760,000 | 13,042,000 | 13,058,000 | 12,918,000 |
| Total capital | 13,995,000 | 14,241,000 | 14,254,000 | 14,187,000 |
| Risk-weighted assets | 98,642,000 | 95,677,000 | 95,447,000 | 101,230,000 |