Call reports 2007
OLD HARBOR BANK — 2007
What OLD HARBOR 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 | 196,284,000 | 197,878,000 | 211,386,000 | 216,696,000 |
| Total loans | 146,582,000 | 156,237,000 | 167,871,000 | 173,272,000 |
| Allowance for loan losses | 1,805,000 | 1,924,000 | 2,068,000 | 2,284,000 |
| Securities available for sale | 35,841,000 | 34,184,000 | 33,441,000 | 32,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,249,000 | 165,759,000 | 180,875,000 | 180,478,000 |
| Interest-bearing deposits | 160,058,000 | 156,380,000 | 170,046,000 | 169,423,000 |
| Noninterest-bearing deposits | 12,191,000 | 9,379,000 | 10,829,000 | 11,055,000 |
| Equity capital | 23,096,000 | 22,970,000 | 23,366,000 | 23,310,000 |
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 | 3,289,000 | 6,797,000 | 10,497,000 | 14,086,000 |
| Interest expense | 1,908,000 | 3,854,000 | 5,974,000 | 8,093,000 |
| Net interest income | 1,381,000 | 2,943,000 | 4,523,000 | 5,993,000 |
| Noninterest income | 51,000 | 120,000 | 192,000 | 263,000 |
| Noninterest expense | 1,193,000 | 2,457,000 | 3,750,000 | 4,950,000 |
| Provision for loan losses | 172,000 | 291,000 | 435,000 | 1,078,000 |
| Pretax income | 67,000 | 315,000 | 530,000 | 228,000 |
| Income tax | 30,000 | 129,000 | 214,000 | 106,000 |
| Net income | 37,000 | 186,000 | 316,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,145,000 | 23,383,000 | 23,568,000 | 22,859,000 |
| Total capital | 24,950,000 | 25,307,000 | 25,636,000 | 25,143,000 |
| Risk-weighted assets | 164,590,000 | 170,337,000 | 181,866,000 | 189,236,000 |