Call reports 2007
ARCOLA HOMESTEAD SAVINGS BANK — 2007
What ARCOLA HOMESTEAD SAVINGS 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 | 15,114,000 | 14,129,000 | 11,313,000 | 8,771,000 |
| Total loans | 3,392,000 | 2,606,000 | 2,944,000 | 3,462,000 |
| Allowance for loan losses | 22,000 | 22,000 | 22,000 | 22,000 |
| Securities available for sale | 7,303,000 | 7,732,000 | 7,759,000 | 1,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,498,000 | 11,512,000 | 8,638,000 | 6,224,000 |
| Interest-bearing deposits | 12,307,000 | 11,333,000 | 8,511,000 | 6,170,000 |
| Noninterest-bearing deposits | 191,000 | 179,000 | 127,000 | 53,000 |
| Equity capital | 2,575,000 | 2,572,000 | 2,607,000 | 2,512,000 |
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 | 206,000 | 404,000 | 585,000 | 717,000 |
| Interest expense | 127,000 | 246,000 | 326,000 | 401,000 |
| Net interest income | 79,000 | 158,000 | 259,000 | 316,000 |
| Noninterest income | 2,000 | 3,000 | 6,000 | 61,000 |
| Noninterest expense | 94,000 | 181,000 | 270,000 | 403,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -13,000 | -20,000 | -5,000 | -26,000 |
| Income tax | -2,000 | -3,000 | -2,000 | 70,000 |
| Net income | -11,000 | -17,000 | -3,000 | -96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,606,000 | 2,601,000 | 2,615,000 | 2,513,000 |
| Total capital | 2,628,000 | 2,623,000 | 2,637,000 | 2,535,000 |
| Risk-weighted assets | 5,376,000 | 4,736,000 | 4,550,000 | 4,294,000 |