Call reports 2007
BANK OF LENAWEE — 2007
What BANK OF LENAWEE 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 | 292,378,000 | 290,503,000 | 278,159,000 | 272,936,000 |
| Total loans | 240,158,000 | 246,034,000 | 241,606,000 | 241,466,000 |
| Allowance for loan losses | 2,852,000 | 2,967,000 | 2,981,000 | 4,512,000 |
| Securities available for sale | 16,315,000 | 16,814,000 | 11,309,000 | 8,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,261,000 | 232,034,000 | 228,885,000 | 205,927,000 |
| Interest-bearing deposits | 203,819,000 | 186,952,000 | 187,168,000 | 157,259,000 |
| Noninterest-bearing deposits | 44,443,000 | 45,081,000 | 41,717,000 | 48,668,000 |
| Equity capital | 30,200,000 | 30,939,000 | 31,802,000 | 30,020,000 |
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 | 4,916,000 | 9,831,000 | 14,761,000 | 19,459,000 |
| Interest expense | 1,940,000 | 3,783,000 | 5,653,000 | 7,314,000 |
| Net interest income | 2,976,000 | 6,048,000 | 9,108,000 | 12,145,000 |
| Noninterest income | 686,000 | 1,542,000 | 2,321,000 | 2,966,000 |
| Noninterest expense | 2,765,000 | 5,457,000 | 8,139,000 | 10,961,000 |
| Provision for loan losses | 150,000 | 293,000 | 353,000 | 2,119,000 |
| Pretax income | 747,000 | 1,840,000 | 2,937,000 | 2,012,000 |
| Income tax | 254,000 | 616,000 | 989,000 | 677,000 |
| Net income | 493,000 | 1,224,000 | 1,948,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,256,000 | 30,987,000 | 31,711,000 | 29,848,000 |
| Total capital | 33,108,000 | 33,954,000 | 34,692,000 | 33,079,000 |
| Risk-weighted assets | 257,602,000 | 261,246,000 | 238,698,000 | 256,413,000 |