Call reports 2007
BANK OF EDMONSON COUNTY — 2007
What BANK OF EDMONSON COUNTY 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 | 177,643,000 | 181,595,000 | 187,090,000 | 190,906,000 |
| Total loans | 133,418,000 | 132,079,000 | 130,255,000 | 131,563,000 |
| Allowance for loan losses | 1,443,000 | 1,480,000 | 1,531,000 | 1,580,000 |
| Securities available for sale | 23,052,000 | 23,305,000 | 30,190,000 | 37,213,000 |
| Securities held to maturity | 12,193,000 | 11,424,000 | 11,274,000 | 10,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,017,000 | 144,949,000 | 150,606,000 | 154,098,000 |
| Interest-bearing deposits | 126,301,000 | 131,815,000 | 138,414,000 | 141,252,000 |
| Noninterest-bearing deposits | 12,716,000 | 13,134,000 | 12,192,000 | 12,847,000 |
| Equity capital | 19,449,000 | 18,929,000 | 19,505,000 | 19,885,000 |
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 | 3,171,000 | 6,454,000 | 9,795,000 | 13,109,000 |
| Interest expense | 1,625,000 | 3,308,000 | 5,110,000 | 6,939,000 |
| Net interest income | 1,546,000 | 3,146,000 | 4,685,000 | 6,170,000 |
| Noninterest income | 263,000 | 581,000 | 868,000 | 1,154,000 |
| Noninterest expense | 1,075,000 | 2,347,000 | 3,375,000 | 4,584,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 659,000 | 1,230,000 | 1,953,000 | 2,440,000 |
| Income tax | 100,000 | 100,000 | 118,000 | 120,000 |
| Net income | 559,000 | 1,130,000 | 1,835,000 | 2,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,399,000 | 19,139,000 | 19,414,000 | 19,479,000 |
| Total capital | 20,842,000 | 20,619,000 | 20,945,000 | 21,059,000 |
| Risk-weighted assets | 128,273,000 | 125,982,000 | 125,807,000 | 132,841,000 |