Call reports 2007
TRADITIONS BANK — 2007
What TRADITIONS 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 | 153,458,000 | 149,411,000 | 159,908,000 | 180,062,000 |
| Total loans | 107,319,000 | 110,280,000 | 121,519,000 | 126,391,000 |
| Allowance for loan losses | 1,266,000 | 1,312,000 | 1,432,000 | 1,489,000 |
| Securities available for sale | 29,068,000 | 29,036,000 | 28,904,000 | 36,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,280,000 | 131,803,000 | 142,012,000 | 161,295,000 |
| Interest-bearing deposits | 125,125,000 | 120,379,000 | 130,961,000 | 148,956,000 |
| Noninterest-bearing deposits | 11,155,000 | 11,424,000 | 11,051,000 | 12,339,000 |
| Equity capital | 16,590,000 | 16,624,000 | 17,123,000 | 17,908,000 |
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 | 2,400,000 | 4,931,000 | 7,588,000 | 10,395,000 |
| Interest expense | 1,248,000 | 2,569,000 | 3,972,000 | 5,455,000 |
| Net interest income | 1,152,000 | 2,362,000 | 3,616,000 | 4,940,000 |
| Noninterest income | 78,000 | 166,000 | 255,000 | 339,000 |
| Noninterest expense | 981,000 | 1,990,000 | 2,996,000 | 4,210,000 |
| Provision for loan losses | 68,000 | 114,000 | 234,000 | 291,000 |
| Pretax income | 181,000 | 424,000 | 641,000 | 778,000 |
| Income tax | 0 | 0 | -4,000 | -435,000 |
| Net income | 181,000 | 424,000 | 645,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,744,000 | 16,997,000 | 17,235,000 | 17,812,000 |
| Total capital | 18,010,000 | 18,309,000 | 18,667,000 | 19,301,000 |
| Risk-weighted assets | 116,559,000 | 119,198,000 | 130,876,000 | 138,218,000 |