Call reports 2007
FIRST CENTURY BANK — 2007
What FIRST CENTURY 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 | 302,570,000 | 281,760,000 | 273,842,000 | 272,173,000 |
| Total loans | 170,299,000 | 171,716,000 | 172,873,000 | 178,010,000 |
| Allowance for loan losses | 1,430,000 | 1,574,000 | 1,650,000 | 2,699,000 |
| Securities available for sale | 72,641,000 | 69,009,000 | 67,671,000 | 58,750,000 |
| Securities held to maturity | 4,512,000 | 4,196,000 | 4,196,000 | 4,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,804,000 | 252,137,000 | 243,500,000 | 241,789,000 |
| Interest-bearing deposits | 238,791,000 | 217,819,000 | 209,298,000 | 204,985,000 |
| Noninterest-bearing deposits | 34,013,000 | 34,318,000 | 34,202,000 | 36,804,000 |
| Equity capital | 28,490,000 | 28,172,000 | 29,257,000 | 28,912,000 |
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 | 4,448,000 | 8,976,000 | 13,358,000 | 17,809,000 |
| Interest expense | 2,053,000 | 4,139,000 | 6,036,000 | 7,955,000 |
| Net interest income | 2,395,000 | 4,837,000 | 7,322,000 | 9,854,000 |
| Noninterest income | 578,000 | 1,490,000 | 2,137,000 | 3,269,000 |
| Noninterest expense | 2,159,000 | 4,640,000 | 6,801,000 | 9,748,000 |
| Provision for loan losses | 150,000 | 263,000 | 348,000 | 1,748,000 |
| Pretax income | 664,000 | 1,424,000 | 2,314,000 | 1,631,000 |
| Income tax | 154,000 | 329,000 | 640,000 | 257,000 |
| Net income | 510,000 | 1,095,000 | 1,674,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,824,000 | 28,760,000 | 29,339,000 | 28,688,000 |
| Total capital | 30,254,000 | 30,334,000 | 30,989,000 | 31,082,000 |
| Risk-weighted assets | 189,921,000 | 188,655,000 | 186,789,000 | 191,213,000 |