Call reports 2007
FIRST CHATHAM BANK — 2007
What FIRST CHATHAM 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 | 408,869,000 | 433,608,000 | 449,648,000 | 470,026,000 |
| Total loans | 306,070,000 | 320,626,000 | 346,477,000 | 365,284,000 |
| Allowance for loan losses | 3,510,000 | 3,738,000 | 3,957,000 | 4,223,000 |
| Securities available for sale | 59,550,000 | 58,690,000 | 58,160,000 | 51,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,435,000 | 354,654,000 | 363,167,000 | 379,502,000 |
| Interest-bearing deposits | 293,253,000 | 322,141,000 | 332,865,000 | 346,098,000 |
| Noninterest-bearing deposits | 30,182,000 | 32,513,000 | 30,302,000 | 33,404,000 |
| Equity capital | 32,388,000 | 33,569,000 | 35,747,000 | 37,990,000 |
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 | 7,649,000 | 15,854,000 | 24,405,000 | 33,237,000 |
| Interest expense | 3,966,000 | 8,092,000 | 12,429,000 | 16,911,000 |
| Net interest income | 3,683,000 | 7,762,000 | 11,976,000 | 16,326,000 |
| Noninterest income | 1,003,000 | 1,730,000 | 2,740,000 | 3,604,000 |
| Noninterest expense | 3,310,000 | 6,712,000 | 10,299,000 | 14,275,000 |
| Provision for loan losses | 244,000 | 451,000 | 676,000 | 978,000 |
| Pretax income | 1,148,000 | 2,336,000 | 3,733,000 | 4,670,000 |
| Income tax | 416,000 | 817,000 | 1,318,000 | 1,584,000 |
| Net income | 732,000 | 1,519,000 | 2,415,000 | 3,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,609,000 | 34,901,000 | 35,860,000 | 37,456,000 |
| Total capital | 36,119,000 | 38,639,000 | 39,817,000 | 41,679,000 |
| Risk-weighted assets | 342,072,000 | 366,725,000 | 384,892,000 | 416,547,000 |