Call reports 2007
BANK OF TUSCALOOSA, THE — 2007
What BANK OF TUSCALOOSA, 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 | 450,281,000 | 450,206,000 | 462,643,000 | 479,404,000 |
| Total loans | 375,348,000 | 381,444,000 | 392,316,000 | 406,161,000 |
| Allowance for loan losses | 5,423,000 | 5,643,000 | 5,682,000 | 5,621,000 |
| Securities available for sale | 46,749,000 | 48,085,000 | 48,416,000 | 51,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,308,000 | 380,457,000 | 397,123,000 | 385,809,000 |
| Interest-bearing deposits | 322,762,000 | 310,128,000 | 372,781,000 | 364,993,000 |
| Noninterest-bearing deposits | 68,546,000 | 70,329,000 | 24,342,000 | 20,816,000 |
| Equity capital | 39,421,000 | 40,392,000 | 40,787,000 | 42,205,000 |
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 | 7,856,000 | 16,152,000 | 24,572,000 | 32,872,000 |
| Interest expense | 3,371,000 | 6,765,000 | 10,179,000 | 13,548,000 |
| Net interest income | 4,485,000 | 9,387,000 | 14,393,000 | 19,324,000 |
| Noninterest income | 802,000 | 1,586,000 | 2,400,000 | 3,408,000 |
| Noninterest expense | 2,272,000 | 4,603,000 | 7,002,000 | 9,318,000 |
| Provision for loan losses | 275,000 | 1,086,000 | 1,839,000 | 2,024,000 |
| Pretax income | 2,740,000 | 5,284,000 | 7,952,000 | 11,390,000 |
| Income tax | 962,000 | 1,851,000 | 2,793,000 | 4,109,000 |
| Net income | 1,778,000 | 3,433,000 | 5,159,000 | 7,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,308,000 | 40,624,000 | 40,539,000 | 41,589,000 |
| Total capital | 44,731,000 | 46,028,000 | 45,919,000 | 47,046,000 |
| Risk-weighted assets | 437,207,000 | 432,260,000 | 430,060,000 | 436,390,000 |