Call reports 2007
AFFINITY BANK — 2007
What AFFINITY 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 | 290,750,000 | 294,203,000 | 317,536,000 | 344,487,000 |
| Total loans | 231,922,000 | 238,851,000 | 248,266,000 | 269,184,000 |
| Allowance for loan losses | 2,782,000 | 2,860,000 | 2,723,000 | 2,814,000 |
| Securities available for sale | 47,217,000 | 37,920,000 | 48,137,000 | 49,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,947,000 | 251,901,000 | 266,968,000 | 282,711,000 |
| Interest-bearing deposits | 243,743,000 | 236,483,000 | 250,285,000 | 267,954,000 |
| Noninterest-bearing deposits | 14,204,000 | 15,418,000 | 16,683,000 | 14,757,000 |
| Equity capital | 23,891,000 | 31,870,000 | 32,587,000 | 33,379,000 |
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 | 5,060,000 | 10,466,000 | 16,132,000 | 21,973,000 |
| Interest expense | 2,699,000 | 5,558,000 | 8,674,000 | 11,917,000 |
| Net interest income | 2,361,000 | 4,908,000 | 7,458,000 | 10,056,000 |
| Noninterest income | 167,000 | 258,000 | 353,000 | 452,000 |
| Noninterest expense | 1,230,000 | 2,516,000 | 3,868,000 | 5,446,000 |
| Provision for loan losses | 193,000 | 271,000 | 391,000 | 591,000 |
| Pretax income | 1,141,000 | 2,415,000 | 3,596,000 | 4,515,000 |
| Income tax | 417,000 | 889,000 | 1,316,000 | 1,655,000 |
| Net income | 724,000 | 1,526,000 | 2,280,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,856,000 | 32,187,000 | 32,611,000 | 33,228,000 |
| Total capital | 26,638,000 | 35,047,000 | 35,334,000 | 36,042,000 |
| Risk-weighted assets | 255,283,000 | 264,394,000 | 277,853,000 | 302,895,000 |