Call reports 2007
COLDWATER NATIVE BANK, THE — 2007
What COLDWATER NATIVE BANK, THE 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 | 13,777,000 | 15,889,000 | 15,144,000 | 16,306,000 |
| Total loans | 2,188,000 | 2,195,000 | 2,079,000 | 2,337,000 |
| Allowance for loan losses | 44,000 | 44,000 | 32,000 | 32,000 |
| Securities available for sale | 8,973,000 | 9,249,000 | 9,276,000 | 9,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,461,000 | 12,592,000 | 11,832,000 | 12,964,000 |
| Interest-bearing deposits | 8,993,000 | 10,469,000 | 10,236,000 | 11,481,000 |
| Noninterest-bearing deposits | 1,468,000 | 2,123,000 | 1,596,000 | 1,483,000 |
| Equity capital | 3,262,000 | 3,248,000 | 3,236,000 | 3,272,000 |
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 | 168,000 | 349,000 | 527,000 | 707,000 |
| Interest expense | 54,000 | 127,000 | 201,000 | 274,000 |
| Net interest income | 114,000 | 222,000 | 326,000 | 433,000 |
| Noninterest income | 9,000 | 24,000 | 34,000 | 42,000 |
| Noninterest expense | 102,000 | 203,000 | 309,000 | 426,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 21,000 | 43,000 | 31,000 | 29,000 |
| Income tax | 5,000 | 8,000 | 3,000 | 3,000 |
| Net income | 16,000 | 35,000 | 28,000 | 26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,386,000 | 3,404,000 | 3,297,000 | 3,295,000 |
| Total capital | 3,430,000 | 3,448,000 | 3,329,000 | 3,327,000 |
| Risk-weighted assets | 4,537,000 | 5,049,000 | 4,765,000 | 5,185,000 |