Call reports 2007
REPUBLIC BANK, THE — 2007
What REPUBLIC 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 | 466,836,000 | 482,419,000 | 491,347,000 | 512,346,000 |
| Total loans | 437,516,000 | 457,537,000 | 465,700,000 | 482,669,000 |
| Allowance for loan losses | 1,212,000 | 3,400,000 | 3,840,000 | 5,959,000 |
| Securities available for sale | 19,876,000 | 18,242,000 | 16,956,000 | 16,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,892,000 | 428,804,000 | 426,378,000 | 452,893,000 |
| Interest-bearing deposits | 405,626,000 | 423,913,000 | 420,256,000 | 447,686,000 |
| Noninterest-bearing deposits | 3,266,000 | 4,891,000 | 6,122,000 | 5,207,000 |
| Equity capital | 44,446,000 | 44,299,000 | 46,948,000 | 45,518,000 |
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 | 9,338,000 | 19,477,000 | 29,706,000 | 40,440,000 |
| Interest expense | 4,616,000 | 9,815,000 | 15,088,000 | 20,630,000 |
| Net interest income | 4,722,000 | 9,662,000 | 14,618,000 | 19,810,000 |
| Noninterest income | 22,000 | 76,000 | 107,000 | 180,000 |
| Noninterest expense | 672,000 | 1,385,000 | 2,175,000 | 3,069,000 |
| Provision for loan losses | 507,000 | 2,855,000 | 4,052,000 | 9,356,000 |
| Pretax income | 3,565,000 | 5,498,000 | 8,498,000 | 7,565,000 |
| Income tax | 229,000 | 477,000 | 821,000 | 293,000 |
| Net income | 3,336,000 | 5,021,000 | 7,677,000 | 7,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,713,000 | 44,698,000 | 47,254,000 | 45,757,000 |
| Total capital | 45,925,000 | 48,098,000 | 51,094,000 | 51,716,000 |
| Risk-weighted assets | 448,118,000 | 468,521,000 | 478,102,000 | 496,404,000 |