Call reports 2007
BUSINESS BANK, THE — 2007
What BUSINESS BANK, THE 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 | 242,877,000 | 261,490,000 | 281,818,000 | 291,324,000 |
| Total loans | 223,063,000 | 236,858,000 | 251,994,000 | 262,126,000 |
| Allowance for loan losses | 2,087,000 | 2,189,000 | 2,307,000 | 2,308,000 |
| Securities available for sale | 7,459,000 | 11,144,000 | 10,987,000 | 10,762,000 |
| Securities held to maturity | 4,319,000 | 4,322,000 | 4,326,000 | 4,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,183,000 | 231,611,000 | 252,540,000 | 251,764,000 |
| Interest-bearing deposits | 204,151,000 | 214,020,000 | 227,493,000 | 232,152,000 |
| Noninterest-bearing deposits | 15,032,000 | 17,590,000 | 25,047,000 | 19,612,000 |
| Equity capital | 21,032,000 | 22,355,000 | 23,715,000 | 24,011,000 |
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 | 4,203,000 | 8,749,000 | 13,623,000 | 18,648,000 |
| Interest expense | 2,509,000 | 5,256,000 | 8,156,000 | 11,133,000 |
| Net interest income | 1,694,000 | 3,493,000 | 5,467,000 | 7,515,000 |
| Noninterest income | 37,000 | 96,000 | 132,000 | 180,000 |
| Noninterest expense | 1,005,000 | 2,098,000 | 3,372,000 | 4,503,000 |
| Provision for loan losses | 56,000 | 151,000 | 267,000 | 860,000 |
| Pretax income | 670,000 | 1,340,000 | 1,960,000 | 2,332,000 |
| Income tax | 261,000 | 521,000 | 759,000 | 895,000 |
| Net income | 409,000 | 819,000 | 1,201,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,068,000 | 22,511,000 | 23,742,000 | 23,979,000 |
| Total capital | 23,155,000 | 24,700,000 | 26,049,000 | 26,287,000 |
| Risk-weighted assets | 230,825,000 | 246,186,000 | 258,144,000 | 270,274,000 |