Call reports 2007
PEDESTAL BANK — 2007
What PEDESTAL 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 | 240,986,000 | 254,149,000 | 253,892,000 | 266,620,000 |
| Total loans | 148,478,000 | 172,808,000 | 172,714,000 | 179,967,000 |
| Allowance for loan losses | 2,082,000 | 2,394,000 | 2,488,000 | 2,558,000 |
| Securities available for sale | 67,846,000 | 55,914,000 | 53,297,000 | 61,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,404,000 | 201,878,000 | 212,890,000 | 231,131,000 |
| Interest-bearing deposits | 161,956,000 | 155,929,000 | 163,319,000 | 177,355,000 |
| Noninterest-bearing deposits | 41,448,000 | 45,950,000 | 49,571,000 | 53,777,000 |
| Equity capital | 21,959,000 | 22,060,000 | 22,824,000 | 23,785,000 |
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 | 3,757,000 | 8,052,000 | 12,452,000 | 16,945,000 |
| Interest expense | 1,601,000 | 3,324,000 | 5,138,000 | 6,858,000 |
| Net interest income | 2,156,000 | 4,728,000 | 7,314,000 | 10,087,000 |
| Noninterest income | 369,000 | 845,000 | 1,308,000 | 1,793,000 |
| Noninterest expense | 1,859,000 | 3,833,000 | 5,829,000 | 7,884,000 |
| Provision for loan losses | 60,000 | 370,000 | 557,000 | 657,000 |
| Pretax income | 606,000 | 1,370,000 | 2,236,000 | 3,339,000 |
| Income tax | 206,000 | 466,000 | 760,000 | 1,134,000 |
| Net income | 400,000 | 904,000 | 1,476,000 | 2,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,928,000 | 22,323,000 | 22,784,000 | 23,400,000 |
| Total capital | 24,010,000 | 24,717,000 | 25,272,000 | 25,958,000 |
| Risk-weighted assets | 180,501,000 | 206,552,000 | 203,313,000 | 212,833,000 |