Call reports 2007
BANK OF NEW CAMBRIA — 2007
What BANK OF NEW CAMBRIA 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 | 30,267,000 | 29,783,000 | 29,513,000 | 29,594,000 |
| Total loans | 18,015,000 | 17,822,000 | 18,128,000 | 18,093,000 |
| Allowance for loan losses | 185,000 | 191,000 | 193,000 | 215,000 |
| Securities available for sale | 7,888,000 | 7,412,000 | 7,067,000 | 6,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,085,000 | 26,617,000 | 26,218,000 | 26,352,000 |
| Interest-bearing deposits | 25,145,000 | 24,723,000 | 24,357,000 | 23,783,000 |
| Noninterest-bearing deposits | 1,940,000 | 1,894,000 | 1,861,000 | 2,569,000 |
| Equity capital | 3,005,000 | 2,998,000 | 3,085,000 | 3,062,000 |
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 | 459,000 | 937,000 | 1,418,000 | 1,893,000 |
| Interest expense | 206,000 | 418,000 | 629,000 | 827,000 |
| Net interest income | 253,000 | 519,000 | 789,000 | 1,066,000 |
| Noninterest income | 23,000 | 46,000 | 70,000 | 98,000 |
| Noninterest expense | 247,000 | 495,000 | 751,000 | 1,014,000 |
| Provision for loan losses | 6,000 | 12,000 | 20,000 | 42,000 |
| Pretax income | 23,000 | 58,000 | 88,000 | 108,000 |
| Income tax | 1,000 | 5,000 | 5,000 | 7,000 |
| Net income | 22,000 | 53,000 | 83,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,009,000 | 3,040,000 | 3,070,000 | 3,013,000 |
| Total capital | 3,194,000 | 3,231,000 | 3,263,000 | 3,228,000 |
| Risk-weighted assets | 21,623,000 | 21,114,000 | 21,290,000 | 21,105,000 |