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 | 210,410,000 | 208,001,000 | 197,951,000 | 220,066,000 |
| Total loans | 155,544,000 | 164,065,000 | 163,507,000 | 169,830,000 |
| Allowance for loan losses | 2,510,000 | 2,510,000 | 2,505,000 | 2,505,000 |
| Securities available for sale | 33,376,000 | 25,665,000 | 23,949,000 | 30,383,000 |
| Securities held to maturity | 2,609,000 | 6,655,000 | 2,894,000 | 4,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,461,000 | 182,210,000 | 174,071,000 | 198,349,000 |
| Interest-bearing deposits | 140,813,000 | 136,694,000 | 140,632,000 | 156,776,000 |
| Noninterest-bearing deposits | 42,648,000 | 45,516,000 | 33,439,000 | 41,573,000 |
| Equity capital | 19,708,000 | 19,944,000 | 20,496,000 | 20,825,000 |
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 | 3,582,000 | 7,248,000 | 11,127,000 | 14,891,000 |
| Interest expense | 1,552,000 | 3,125,000 | 4,656,000 | 6,280,000 |
| Net interest income | 2,030,000 | 4,123,000 | 6,471,000 | 8,611,000 |
| Noninterest income | 180,000 | 333,000 | 479,000 | 638,000 |
| Noninterest expense | 1,684,000 | 3,434,000 | 5,191,000 | 7,090,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 526,000 | 1,022,000 | 1,759,000 | 2,217,000 |
| Income tax | 179,000 | 334,000 | 575,000 | 708,000 |
| Net income | 347,000 | 688,000 | 1,184,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,825,000 | 19,082,000 | 19,577,000 | 19,896,000 |
| Total capital | 20,875,000 | 21,243,000 | 21,686,000 | 22,174,000 |
| Risk-weighted assets | 163,543,000 | 172,513,000 | 168,305,000 | 181,954,000 |