Call reports 2007
TRADITIONS BANK — 2007
What TRADITIONS BANK 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 | 136,972,000 | 144,638,000 | 152,188,000 | 154,874,000 |
| Total loans | 105,328,000 | 116,389,000 | 122,386,000 | 129,889,000 |
| Allowance for loan losses | 1,175,000 | 1,286,000 | 1,387,000 | 1,457,000 |
| Securities available for sale | 13,628,000 | 12,974,000 | 13,044,000 | 13,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,182,000 | 133,492,000 | 140,449,000 | 142,751,000 |
| Interest-bearing deposits | 114,841,000 | 120,622,000 | 129,302,000 | 131,005,000 |
| Noninterest-bearing deposits | 11,341,000 | 12,870,000 | 11,147,000 | 11,746,000 |
| Equity capital | 9,895,000 | 10,193,000 | 10,622,000 | 11,147,000 |
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 | 2,572,000 | 5,394,000 | 8,336,000 | 11,413,000 |
| Interest expense | 1,200,000 | 2,474,000 | 3,841,000 | 5,259,000 |
| Net interest income | 1,372,000 | 2,920,000 | 4,495,000 | 6,154,000 |
| Noninterest income | 328,000 | 717,000 | 1,119,000 | 1,509,000 |
| Noninterest expense | 1,109,000 | 2,300,000 | 3,620,000 | 4,825,000 |
| Provision for loan losses | 91,000 | 243,000 | 361,000 | 481,000 |
| Pretax income | 500,000 | 1,094,000 | 1,633,000 | 2,357,000 |
| Income tax | 180,000 | 394,000 | 583,000 | 814,000 |
| Net income | 320,000 | 700,000 | 1,050,000 | 1,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,007,000 | 10,390,000 | 10,743,000 | 11,243,000 |
| Total capital | 11,182,000 | 11,676,000 | 12,130,000 | 12,700,000 |
| Risk-weighted assets | 105,274,000 | 114,154,000 | 119,015,000 | 124,867,000 |