Call reports 2007
BENCHMARK BANK — 2007
What BENCHMARK 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 | 189,727,000 | 197,214,000 | 203,508,000 | 221,145,000 |
| Total loans | 146,326,000 | 150,330,000 | 161,865,000 | 171,028,000 |
| Allowance for loan losses | 1,597,000 | 1,673,000 | 1,982,000 | 2,025,000 |
| Securities available for sale | 33,095,000 | 33,785,000 | 34,618,000 | 42,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,823,000 | 175,835,000 | 181,567,000 | 195,019,000 |
| Interest-bearing deposits | 146,751,000 | 153,804,000 | 164,308,000 | 176,435,000 |
| Noninterest-bearing deposits | 22,072,000 | 22,031,000 | 17,259,000 | 18,585,000 |
| Equity capital | 17,882,000 | 18,000,000 | 18,430,000 | 18,647,000 |
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 | 3,387,000 | 6,915,000 | 10,708,000 | 14,518,000 |
| Interest expense | 1,704,000 | 3,500,000 | 5,456,000 | 7,504,000 |
| Net interest income | 1,683,000 | 3,415,000 | 5,252,000 | 7,014,000 |
| Noninterest income | 220,000 | 487,000 | 715,000 | 920,000 |
| Noninterest expense | 1,400,000 | 2,816,000 | 4,192,000 | 5,544,000 |
| Provision for loan losses | 75,000 | 150,000 | 550,000 | 930,000 |
| Pretax income | 423,000 | 870,000 | 1,144,000 | 1,365,000 |
| Income tax | 143,000 | 295,000 | 381,000 | 448,000 |
| Net income | 280,000 | 575,000 | 763,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,473,000 | 17,768,000 | 17,955,000 | 18,110,000 |
| Total capital | 19,070,000 | 19,441,000 | 19,937,000 | 20,135,000 |
| Risk-weighted assets | 175,497,000 | 182,765,000 | 186,510,000 | 192,816,000 |