Call reports 2007
BANK — 2007
What 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 | 46,791,000 | 47,004,000 | 47,739,000 | 54,958,000 |
| Total loans | 39,970,000 | 40,931,000 | 42,552,000 | 47,438,000 |
| Allowance for loan losses | 259,000 | 273,000 | 286,000 | 299,000 |
| Securities available for sale | 1,000 | 1,000 | 1,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,062,000 | 34,120,000 | 34,871,000 | 42,125,000 |
| Interest-bearing deposits | 27,339,000 | 27,234,000 | 28,241,000 | 34,080,000 |
| Noninterest-bearing deposits | 6,723,000 | 6,886,000 | 6,630,000 | 8,045,000 |
| Equity capital | 3,816,000 | 3,956,000 | 4,082,000 | 4,214,000 |
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 | 751,000 | 1,540,000 | 2,360,000 | 3,240,000 |
| Interest expense | 280,000 | 579,000 | 903,000 | 1,256,000 |
| Net interest income | 471,000 | 961,000 | 1,457,000 | 1,984,000 |
| Noninterest income | 75,000 | 151,000 | 231,000 | 320,000 |
| Noninterest expense | 338,000 | 745,000 | 1,170,000 | 1,646,000 |
| Provision for loan losses | 4,000 | 17,000 | 30,000 | 43,000 |
| Pretax income | 204,000 | 350,000 | 488,000 | 615,000 |
| Income tax | 10,000 | 16,000 | 28,000 | 23,000 |
| Net income | 194,000 | 334,000 | 460,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,816,000 | 3,956,000 | 4,082,000 | 4,214,000 |
| Total capital | 4,075,000 | 4,228,000 | 4,368,000 | 4,513,000 |
| Risk-weighted assets | 39,740,000 | 40,727,000 | 42,381,000 | 45,015,000 |