Call reports 2007
LOUISA COMMUNITY BANK — 2007
What LOUISA COMMUNITY 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 | 8,250,000 | 9,464,000 | 9,804,000 | 12,812,000 |
| Total loans | 3,900,000 | 6,254,000 | 6,954,000 | 8,787,000 |
| Allowance for loan losses | 49,000 | 78,000 | 90,000 | 110,000 |
| Securities available for sale | 2,100,000 | 1,088,000 | 1,102,000 | 2,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,785,000 | 4,323,000 | 4,700,000 | 6,467,000 |
| Interest-bearing deposits | 1,913,000 | 3,404,000 | 4,104,000 | 5,850,000 |
| Noninterest-bearing deposits | 872,000 | 919,000 | 596,000 | 617,000 |
| Equity capital | 5,233,000 | 5,095,000 | 5,034,000 | 4,883,000 |
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 | 101,000 | 254,000 | 435,000 | 632,000 |
| Interest expense | 12,000 | 37,000 | 82,000 | 139,000 |
| Net interest income | 89,000 | 217,000 | 353,000 | 493,000 |
| Noninterest income | 10,000 | 25,000 | 50,000 | 79,000 |
| Noninterest expense | 192,000 | 422,000 | 646,000 | 949,000 |
| Provision for loan losses | 32,000 | 63,000 | 75,000 | 100,000 |
| Pretax income | -123,000 | -239,000 | -314,000 | -472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -123,000 | -239,000 | -314,000 | -472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,229,000 | 5,114,000 | 5,037,000 | 4,880,000 |
| Total capital | 5,278,000 | 5,192,000 | 5,122,000 | 4,990,000 |
| Risk-weighted assets | 4,755,000 | 6,336,000 | 6,806,000 | 8,989,000 |