Call reports 2007
FOLSOM LAKE BANK — 2007
What FOLSOM LAKE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Total assets | 19,416,000 | 24,714,000 | 29,536,000 |
| Total loans | 4,628,000 | 13,213,000 | 16,122,000 |
| Allowance for loan losses | 75,000 | 150,000 | 195,000 |
| Securities available for sale | 0 | 6,569,000 | 10,761,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 4,566,000 | 9,828,000 | 15,040,000 |
| Interest-bearing deposits | 3,247,000 | 6,560,000 | 10,229,000 |
| Noninterest-bearing deposits | 1,319,000 | 3,268,000 | 4,811,000 |
| Equity capital | 14,678,000 | 14,416,000 | 14,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Interest income | 305,000 | 642,000 | 1,063,000 |
| Interest expense | 14,000 | 54,000 | 141,000 |
| Net interest income | 291,000 | 588,000 | 922,000 |
| Noninterest income | 2,000 | 4,000 | 7,000 |
| Noninterest expense | 1,115,000 | 1,735,000 | 2,496,000 |
| Provision for loan losses | 75,000 | 150,000 | 195,000 |
| Pretax income | -897,000 | -1,293,000 | -1,762,000 |
| Income tax | 0 | 1,000 | 1,000 |
| Net income | -897,000 | -1,294,000 | -1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Tier 1 capital | 14,678,000 | 14,355,000 | 13,953,000 |
| Total capital | 14,753,000 | 14,505,000 | 14,148,000 |
| Risk-weighted assets | 8,559,000 | 18,000,000 | 20,866,000 |