Call reports 2007
SILVER LAKE BANK — 2007
What SILVER LAKE 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 | 206,482,000 | 207,090,000 | 197,241,000 | 201,202,000 |
| Total loans | 154,309,000 | 160,364,000 | 157,297,000 | 161,235,000 |
| Allowance for loan losses | 842,000 | 958,000 | 974,000 | 992,000 |
| Securities available for sale | 32,190,000 | 30,894,000 | 29,649,000 | 26,503,000 |
| Securities held to maturity | 2,424,000 | 2,335,000 | 2,132,000 | 1,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,178,000 | 175,178,000 | 143,616,000 | 144,485,000 |
| Interest-bearing deposits | 151,231,000 | 155,286,000 | 126,200,000 | 124,868,000 |
| Noninterest-bearing deposits | 23,947,000 | 19,892,000 | 17,416,000 | 19,617,000 |
| Equity capital | 19,908,000 | 20,257,000 | 22,820,000 | 23,507,000 |
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 | 3,546,000 | 7,276,000 | 11,022,000 | 14,641,000 |
| Interest expense | 1,660,000 | 3,383,000 | 5,122,000 | 6,692,000 |
| Net interest income | 1,886,000 | 3,893,000 | 5,900,000 | 7,949,000 |
| Noninterest income | 154,000 | 351,000 | 3,020,000 | 3,149,000 |
| Noninterest expense | 1,130,000 | 2,264,000 | 3,397,000 | 4,850,000 |
| Provision for loan losses | 15,000 | 32,000 | 49,000 | 64,000 |
| Pretax income | 895,000 | 1,948,000 | 5,474,000 | 6,182,000 |
| Income tax | 310,000 | 678,000 | 1,958,000 | 2,191,000 |
| Net income | 585,000 | 1,270,000 | 3,516,000 | 3,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,967,000 | 20,654,000 | 22,903,000 | 23,380,000 |
| Total capital | 20,809,000 | 21,612,000 | 23,877,000 | 24,372,000 |
| Risk-weighted assets | 182,060,000 | 185,669,000 | 174,435,000 | 175,729,000 |