Call reports 2007
FOSTER BANK, THE — 2007
What FOSTER 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 | 488,571,000 | 500,156,000 | 506,374,000 | 525,954,000 |
| Total loans | 437,575,000 | 450,204,000 | 465,261,000 | 481,233,000 |
| Allowance for loan losses | 4,014,000 | 4,020,000 | 4,082,000 | 4,299,000 |
| Securities available for sale | 23,561,000 | 21,511,000 | 20,470,000 | 19,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,328,000 | 383,108,000 | 380,086,000 | 399,266,000 |
| Interest-bearing deposits | 271,385,000 | 277,539,000 | 277,209,000 | 295,569,000 |
| Noninterest-bearing deposits | 100,944,000 | 105,569,000 | 102,877,000 | 103,697,000 |
| Equity capital | 48,490,000 | 48,859,000 | 50,942,000 | 52,954,000 |
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 | 8,639,000 | 17,428,000 | 26,518,000 | 35,635,000 |
| Interest expense | 3,605,000 | 7,365,000 | 11,236,000 | 15,299,000 |
| Net interest income | 5,034,000 | 10,063,000 | 15,282,000 | 20,336,000 |
| Noninterest income | 924,000 | 1,905,000 | 2,898,000 | 3,907,000 |
| Noninterest expense | 3,328,000 | 6,844,000 | 10,449,000 | 14,242,000 |
| Provision for loan losses | 225,000 | 350,000 | 475,000 | 700,000 |
| Pretax income | 2,405,000 | 4,774,000 | 7,256,000 | 9,301,000 |
| Income tax | 39,000 | 82,000 | 126,000 | 172,000 |
| Net income | 2,366,000 | 4,692,000 | 7,130,000 | 9,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,629,000 | 49,222,000 | 51,070,000 | 52,807,000 |
| Total capital | 52,643,000 | 53,242,000 | 55,152,000 | 57,106,000 |
| Risk-weighted assets | 424,834,000 | 445,210,000 | 455,050,000 | 458,464,000 |