Call reports 2007
ALBINA COMMUNITY BANK — 2007
What ALBINA COMMUNITY 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 | 146,347,000 | 153,471,000 | 173,485,000 | 183,292,000 |
| Total loans | 111,532,000 | 123,153,000 | 140,454,000 | 148,198,000 |
| Allowance for loan losses | 1,324,000 | 1,346,000 | 1,460,000 | 1,556,000 |
| Securities available for sale | 9,806,000 | 11,508,000 | 11,536,000 | 10,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,323,000 | 126,608,000 | 132,915,000 | 146,987,000 |
| Interest-bearing deposits | 105,703,000 | 103,106,000 | 108,922,000 | 122,474,000 |
| Noninterest-bearing deposits | 20,620,000 | 23,502,000 | 23,993,000 | 24,513,000 |
| Equity capital | 15,373,000 | 15,478,000 | 16,281,000 | 16,523,000 |
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 | 2,351,000 | 4,942,000 | 7,949,000 | 11,170,000 |
| Interest expense | 906,000 | 1,920,000 | 3,143,000 | 4,528,000 |
| Net interest income | 1,445,000 | 3,022,000 | 4,806,000 | 6,642,000 |
| Noninterest income | 432,000 | 831,000 | 1,785,000 | 2,236,000 |
| Noninterest expense | 1,632,000 | 3,280,000 | 5,109,000 | 6,808,000 |
| Provision for loan losses | 67,000 | 135,000 | 310,000 | 543,000 |
| Pretax income | 189,000 | 450,000 | 1,184,000 | 1,677,000 |
| Income tax | 56,000 | 136,000 | 197,000 | 552,000 |
| Net income | 133,000 | 314,000 | 987,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,365,000 | 15,561,000 | 16,248,000 | 16,503,000 |
| Total capital | 16,689,000 | 16,952,000 | 17,773,000 | 18,124,000 |
| Risk-weighted assets | 123,567,000 | 140,717,000 | 156,117,000 | 164,713,000 |