Call reports 2007
FIRST CREDIT BANK — 2007
What FIRST CREDIT 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 | 318,083,000 | 310,686,000 | 299,217,000 | 333,369,000 |
| Total loans | 275,495,000 | 256,192,000 | 235,393,000 | 266,350,000 |
| Allowance for loan losses | 6,704,000 | 6,704,000 | 6,704,000 | 8,204,000 |
| Securities available for sale | 2,286,000 | 2,249,000 | 5,605,000 | 7,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,859,000 | 215,879,000 | 201,710,000 | 236,859,000 |
| Interest-bearing deposits | 213,427,000 | 205,418,000 | 191,489,000 | 219,230,000 |
| Noninterest-bearing deposits | 10,432,000 | 10,461,000 | 10,221,000 | 17,629,000 |
| Equity capital | 88,730,000 | 88,833,000 | 90,966,000 | 91,847,000 |
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 | 13,396,000 | 20,973,000 | 28,132,000 | 35,402,000 |
| Interest expense | 2,739,000 | 5,459,000 | 7,998,000 | 10,669,000 |
| Net interest income | 10,657,000 | 15,514,000 | 20,134,000 | 24,733,000 |
| Noninterest income | 31,000 | 63,000 | 99,000 | 209,000 |
| Noninterest expense | 540,000 | 1,076,000 | 1,711,000 | 2,279,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,500,000 |
| Pretax income | 10,148,000 | 14,501,000 | 18,522,000 | 21,163,000 |
| Income tax | 379,000 | 432,000 | 577,000 | 707,000 |
| Net income | 9,769,000 | 14,069,000 | 17,945,000 | 20,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,620,000 | 88,780,000 | 90,759,000 | 91,695,000 |
| Total capital | 92,187,000 | 92,286,000 | 93,994,000 | 95,378,000 |
| Risk-weighted assets | 282,047,000 | 277,054,000 | 261,033,000 | 289,886,000 |
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