Call reports 2007
FIRST SOUND BANK — 2007
What FIRST SOUND 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 | 144,892,000 | 160,803,000 | 197,221,000 | 183,446,000 |
| Total loans | 114,770,000 | 126,538,000 | 135,688,000 | 143,488,000 |
| Allowance for loan losses | 1,172,000 | 1,332,000 | 1,457,000 | 1,587,000 |
| Securities available for sale | 3,549,000 | 3,426,000 | 3,350,000 | 3,307,000 |
| Securities held to maturity | 600,000 | 599,000 | 600,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,818,000 | 130,175,000 | 165,657,000 | 147,317,000 |
| Interest-bearing deposits | 96,108,000 | 109,453,000 | 147,381,000 | 123,045,000 |
| Noninterest-bearing deposits | 18,709,000 | 20,722,000 | 18,276,000 | 24,272,000 |
| Equity capital | 29,152,000 | 29,567,000 | 30,104,000 | 30,634,000 |
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 | 2,622,000 | 5,531,000 | 8,923,000 | 12,145,000 |
| Interest expense | 999,000 | 2,140,000 | 3,635,000 | 4,951,000 |
| Net interest income | 1,623,000 | 3,391,000 | 5,288,000 | 7,194,000 |
| Noninterest income | 24,000 | 49,000 | 80,000 | 114,000 |
| Noninterest expense | 1,236,000 | 2,488,000 | 3,850,000 | 5,200,000 |
| Provision for loan losses | 120,000 | 280,000 | 405,000 | 535,000 |
| Pretax income | 291,000 | 672,000 | 1,113,000 | 1,573,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 291,000 | 672,000 | 1,113,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,196,000 | 29,618,000 | 30,134,000 | 30,641,000 |
| Total capital | 30,368,000 | 30,950,000 | 31,591,000 | 32,228,000 |
| Risk-weighted assets | 143,518,000 | 160,560,000 | 174,110,000 | 175,388,000 |