Call reports 2007
BANKESB — 2007
What BANKESB 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 | 713,316,000 | 734,324,000 | 739,209,000 | 749,047,000 |
| Total loans | 536,164,000 | 551,344,000 | 554,954,000 | 564,305,000 |
| Allowance for loan losses | 3,440,000 | 3,475,000 | 3,487,000 | 3,541,000 |
| Securities available for sale | 126,441,000 | 126,582,000 | 129,068,000 | 127,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,575,000 | 548,467,000 | 550,090,000 | 570,151,000 |
| Interest-bearing deposits | 506,987,000 | 512,363,000 | 513,190,000 | 535,357,000 |
| Noninterest-bearing deposits | 37,588,000 | 36,104,000 | 36,900,000 | 34,794,000 |
| Equity capital | 87,684,000 | 88,273,000 | 90,481,000 | 90,960,000 |
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 | 9,335,000 | 18,962,000 | 28,831,000 | 38,892,000 |
| Interest expense | 5,054,000 | 10,420,000 | 15,981,000 | 21,558,000 |
| Net interest income | 4,281,000 | 8,542,000 | 12,850,000 | 17,334,000 |
| Noninterest income | 992,000 | 2,096,000 | 3,247,000 | 4,371,000 |
| Noninterest expense | 3,987,000 | 7,968,000 | 11,911,000 | 15,961,000 |
| Provision for loan losses | 59,000 | 113,000 | 176,000 | 244,000 |
| Pretax income | 1,246,000 | 2,705,000 | 4,191,000 | 5,736,000 |
| Income tax | 281,000 | 626,000 | 962,000 | 1,321,000 |
| Net income | 965,000 | 2,079,000 | 3,229,000 | 4,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,498,000 | 88,611,000 | 89,762,000 | 89,356,000 |
| Total capital | 91,357,000 | 92,407,000 | 93,398,000 | 92,897,000 |
| Risk-weighted assets | 428,359,000 | 452,924,000 | 458,046,000 | 467,692,000 |