Call reports 2007
HILLCREST BANK FLORIDA — 2007
What HILLCREST BANK FLORIDA 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 | 94,948,000 | 94,508,000 | 109,204,000 | 106,965,000 |
| Total loans | 52,393,000 | 65,507,000 | 65,406,000 | 80,509,000 |
| Allowance for loan losses | 633,000 | 787,000 | 787,000 | 967,000 |
| Securities available for sale | 6,917,000 | 6,614,000 | 10,475,000 | 10,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,746,000 | 74,358,000 | 89,643,000 | 87,681,000 |
| Interest-bearing deposits | 73,971,000 | 73,325,000 | 87,424,000 | 86,073,000 |
| Noninterest-bearing deposits | 775,000 | 1,033,000 | 2,219,000 | 1,608,000 |
| Equity capital | 15,543,000 | 15,379,000 | 15,412,000 | 15,303,000 |
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 | 1,618,000 | 3,475,000 | 5,489,000 | 7,445,000 |
| Interest expense | 985,000 | 2,036,000 | 3,200,000 | 4,277,000 |
| Net interest income | 633,000 | 1,439,000 | 2,289,000 | 3,168,000 |
| Noninterest income | 4,000 | 8,000 | 19,000 | 27,000 |
| Noninterest expense | 872,000 | 1,723,000 | 2,602,000 | 3,642,000 |
| Provision for loan losses | 109,000 | 263,000 | 263,000 | 443,000 |
| Pretax income | -344,000 | -539,000 | -557,000 | -890,000 |
| Income tax | -129,000 | -202,000 | -209,000 | -334,000 |
| Net income | -215,000 | -337,000 | -348,000 | -556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,543,000 | 15,421,000 | 14,591,000 | 14,157,000 |
| Total capital | 16,176,000 | 16,208,000 | 15,378,000 | 15,124,000 |
| Risk-weighted assets | 66,465,000 | 77,492,000 | 81,965,000 | 92,859,000 |