Call reports 2007
BANK OF ERATH — 2007
What BANK OF ERATH 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 | 73,257,000 | 73,416,000 | 75,196,000 | 75,173,000 |
| Total loans | 37,329,000 | 39,709,000 | 39,793,000 | 41,731,000 |
| Allowance for loan losses | 640,000 | 594,000 | 597,000 | 630,000 |
| Securities available for sale | 28,498,000 | 27,453,000 | 26,568,000 | 26,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,212,000 | 61,985,000 | 63,009,000 | 62,997,000 |
| Interest-bearing deposits | 40,549,000 | 39,230,000 | 40,885,000 | 40,787,000 |
| Noninterest-bearing deposits | 21,663,000 | 22,755,000 | 22,124,000 | 22,210,000 |
| Equity capital | 10,676,000 | 10,837,000 | 11,340,000 | 11,160,000 |
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 | 1,130,000 | 2,303,000 | 3,517,000 | 4,731,000 |
| Interest expense | 212,000 | 454,000 | 704,000 | 968,000 |
| Net interest income | 918,000 | 1,849,000 | 2,813,000 | 3,763,000 |
| Noninterest income | 115,000 | 238,000 | 384,000 | 515,000 |
| Noninterest expense | 662,000 | 1,311,000 | 1,983,000 | 2,786,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 0 |
| Pretax income | 356,000 | 761,000 | 1,199,000 | 1,492,000 |
| Income tax | 91,000 | 199,000 | 317,000 | 413,000 |
| Net income | 265,000 | 562,000 | 882,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,773,000 | 11,036,000 | 11,356,000 | 11,043,000 |
| Total capital | 11,413,000 | 11,630,000 | 11,953,000 | 11,673,000 |
| Risk-weighted assets | 53,295,000 | 55,551,000 | 55,755,000 | 57,858,000 |