Call reports 2007
TRUBANK — 2007
What TRUBANK 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 | 103,358,000 | 103,657,000 | 108,622,000 | 110,827,000 |
| Total loans | 71,275,000 | 72,061,000 | 74,021,000 | 74,948,000 |
| Allowance for loan losses | 1,004,000 | 731,000 | 754,000 | 786,000 |
| Securities available for sale | 20,243,000 | 20,005,000 | 20,960,000 | 21,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,880,000 | 87,265,000 | 93,000,000 | 93,496,000 |
| Interest-bearing deposits | 72,500,000 | 75,635,000 | 81,200,000 | 80,563,000 |
| Noninterest-bearing deposits | 12,380,000 | 11,630,000 | 11,800,000 | 12,933,000 |
| Equity capital | 9,979,000 | 10,052,000 | 10,358,000 | 10,554,000 |
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 | 1,584,000 | 3,231,000 | 4,924,000 | 6,644,000 |
| Interest expense | 712,000 | 1,469,000 | 2,264,000 | 3,081,000 |
| Net interest income | 872,000 | 1,762,000 | 2,660,000 | 3,563,000 |
| Noninterest income | 213,000 | 422,000 | 592,000 | 769,000 |
| Noninterest expense | 803,000 | 1,637,000 | 2,514,000 | 3,457,000 |
| Provision for loan losses | 18,000 | 44,000 | 74,000 | 104,000 |
| Pretax income | 264,000 | 503,000 | 664,000 | 771,000 |
| Income tax | 72,000 | 134,000 | 159,000 | 179,000 |
| Net income | 192,000 | 369,000 | 505,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,881,000 | 10,057,000 | 10,189,000 | 10,281,000 |
| Total capital | 10,878,000 | 10,788,000 | 10,943,000 | 11,067,000 |
| Risk-weighted assets | 79,750,000 | 81,480,000 | 85,640,000 | 82,359,000 |