Call reports 2007
BANK OF SAINT ELIZABETH — 2007
What BANK OF SAINT ELIZABETH 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 | 89,101,000 | 89,494,000 | 90,243,000 | 90,183,000 |
| Total loans | 66,374,000 | 67,761,000 | 68,688,000 | 69,314,000 |
| Allowance for loan losses | 621,000 | 621,000 | 621,000 | 621,000 |
| Securities available for sale | 10,285,000 | 10,305,000 | 10,312,000 | 8,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,576,000 | 76,269,000 | 76,918,000 | 74,604,000 |
| Interest-bearing deposits | 62,109,000 | 62,089,000 | 62,950,000 | 59,947,000 |
| Noninterest-bearing deposits | 13,467,000 | 14,180,000 | 13,968,000 | 14,657,000 |
| Equity capital | 10,253,000 | 9,845,000 | 9,968,000 | 10,300,000 |
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 | 1,388,000 | 2,834,000 | 4,280,000 | 5,755,000 |
| Interest expense | 602,000 | 1,220,000 | 1,858,000 | 2,486,000 |
| Net interest income | 786,000 | 1,614,000 | 2,422,000 | 3,269,000 |
| Noninterest income | 133,000 | 267,000 | 428,000 | 606,000 |
| Noninterest expense | 560,000 | 1,087,000 | 1,547,000 | 2,103,000 |
| Provision for loan losses | 0 | 4,000 | -15,000 | 5,000 |
| Pretax income | 351,000 | 782,000 | 1,310,000 | 1,761,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 351,000 | 782,000 | 1,310,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,496,000 | 6,088,000 | 6,211,000 | 6,592,000 |
| Total capital | 7,117,000 | 6,709,000 | 6,832,000 | 7,213,000 |
| Risk-weighted assets | 60,233,000 | 61,441,000 | 62,032,000 | 62,578,000 |