Call reports 2007
TERRABANK, NATIONAL ASSOCIATION — 2007
What TERRABANK, NATIONAL ASSOCIATION 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 | 295,911,000 | 295,743,000 | 276,121,000 | 252,771,000 |
| Total loans | 143,944,000 | 120,210,000 | 101,776,000 | 91,754,000 |
| Allowance for loan losses | 2,435,000 | 2,392,000 | 2,701,000 | 1,615,000 |
| Securities available for sale | 126,842,000 | 140,493,000 | 143,740,000 | 143,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,663,000 | 264,542,000 | 244,311,000 | 220,291,000 |
| Interest-bearing deposits | 223,448,000 | 225,862,000 | 210,416,000 | 191,301,000 |
| Noninterest-bearing deposits | 40,215,000 | 38,680,000 | 33,895,000 | 28,990,000 |
| Equity capital | 31,231,000 | 29,989,000 | 30,699,000 | 31,418,000 |
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 | 4,966,000 | 9,729,000 | 13,908,000 | 18,149,000 |
| Interest expense | 2,439,000 | 4,941,000 | 7,459,000 | 9,776,000 |
| Net interest income | 2,527,000 | 4,788,000 | 6,449,000 | 8,373,000 |
| Noninterest income | 408,000 | 858,000 | 1,318,000 | 2,708,000 |
| Noninterest expense | 2,661,000 | 5,526,000 | 8,123,000 | 11,584,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 124,000 | -352,000 | 95,000 |
| Income tax | 50,000 | 50,000 | 50,000 | -72,000 |
| Net income | 224,000 | 74,000 | -402,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,352,000 | 31,204,000 | 30,727,000 | 31,297,000 |
| Total capital | 33,445,000 | 33,072,000 | 32,359,000 | 32,767,000 |
| Risk-weighted assets | 166,809,000 | 148,630,000 | 129,350,000 | 117,190,000 |