Call reports 2007
PENINSULA BANK, THE — 2007
What PENINSULA 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 | 125,492,000 | 126,690,000 | 128,706,000 | 129,631,000 |
| Total loans | 99,309,000 | 100,360,000 | 105,060,000 | 105,388,000 |
| Allowance for loan losses | 1,318,000 | 1,350,000 | 1,367,000 | 1,380,000 |
| Securities available for sale | 15,703,000 | 16,102,000 | 16,272,000 | 15,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,625,000 | 103,528,000 | 104,117,000 | 104,386,000 |
| Interest-bearing deposits | 92,927,000 | 92,589,000 | 93,407,000 | 93,449,000 |
| Noninterest-bearing deposits | 10,698,000 | 10,939,000 | 10,710,000 | 10,937,000 |
| Equity capital | 14,074,000 | 14,120,000 | 14,768,000 | 14,887,000 |
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 | 2,310,000 | 4,651,000 | 7,060,000 | 9,437,000 |
| Interest expense | 830,000 | 1,676,000 | 2,559,000 | 3,436,000 |
| Net interest income | 1,480,000 | 2,975,000 | 4,501,000 | 6,001,000 |
| Noninterest income | 161,000 | 320,000 | 483,000 | 635,000 |
| Noninterest expense | 906,000 | 1,900,000 | 2,842,000 | 3,846,000 |
| Provision for loan losses | 60,000 | 110,000 | 150,000 | 180,000 |
| Pretax income | 675,000 | 1,285,000 | 1,992,000 | 2,610,000 |
| Income tax | 208,000 | 413,000 | 643,000 | 848,000 |
| Net income | 467,000 | 872,000 | 1,349,000 | 1,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,012,000 | 14,224,000 | 14,702,000 | 14,757,000 |
| Total capital | 15,215,000 | 15,425,000 | 15,936,000 | 16,007,000 |
| Risk-weighted assets | 96,088,000 | 95,927,000 | 98,728,000 | 99,831,000 |