Call reports 2007
MEREDITH VILLAGE SAVINGS BANK — 2007
What MEREDITH VILLAGE SAVINGS 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 | 528,894,000 | 537,826,000 | 531,022,000 | 535,671,000 |
| Total loans | 404,451,000 | 408,022,000 | 412,621,000 | 416,605,000 |
| Allowance for loan losses | 3,678,000 | 3,692,000 | 3,711,000 | 5,175,000 |
| Securities available for sale | 73,777,000 | 71,101,000 | 65,398,000 | 65,040,000 |
| Securities held to maturity | 740,000 | 729,000 | 729,000 | 729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,191,000 | 407,641,000 | 422,110,000 | 419,364,000 |
| Interest-bearing deposits | 362,687,000 | 354,443,000 | 370,249,000 | 405,142,000 |
| Noninterest-bearing deposits | 45,504,000 | 53,198,000 | 51,861,000 | 14,222,000 |
| Equity capital | 56,155,000 | 56,391,000 | 58,102,000 | 58,627,000 |
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 | 8,034,000 | 16,242,000 | 24,705,000 | 33,004,000 |
| Interest expense | 3,654,000 | 7,384,000 | 11,166,000 | 14,890,000 |
| Net interest income | 4,380,000 | 8,858,000 | 13,539,000 | 18,114,000 |
| Noninterest income | 729,000 | 1,784,000 | 2,808,000 | 3,739,000 |
| Noninterest expense | 4,160,000 | 8,511,000 | 12,822,000 | 17,250,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 1,560,000 |
| Pretax income | 859,000 | 2,156,000 | 3,302,000 | 3,090,000 |
| Income tax | 244,000 | 612,000 | 931,000 | 655,000 |
| Net income | 615,000 | 1,544,000 | 2,371,000 | 2,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,660,000 | 57,592,000 | 58,421,000 | 58,486,000 |
| Total capital | 60,413,000 | 61,284,000 | 62,132,000 | 63,301,000 |
| Risk-weighted assets | 377,859,000 | 381,802,000 | 381,384,000 | 384,854,000 |