Call reports 2007
KODABANK — 2007
What KODABANK 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 | 40,667,000 | 41,106,000 | 43,175,000 | 45,835,000 |
| Total loans | 31,212,000 | 31,958,000 | 34,448,000 | 34,012,000 |
| Allowance for loan losses | 542,000 | 634,000 | 729,000 | 578,000 |
| Securities available for sale | 6,331,000 | 6,529,000 | 6,457,000 | 6,701,000 |
| Securities held to maturity | 766,000 | 481,000 | 576,000 | 556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,346,000 | 35,551,000 | 34,178,000 | 40,547,000 |
| Interest-bearing deposits | 31,871,000 | 32,099,000 | 30,681,000 | 34,399,000 |
| Noninterest-bearing deposits | 3,475,000 | 3,452,000 | 3,497,000 | 6,148,000 |
| Equity capital | 4,849,000 | 4,996,000 | 4,726,000 | 4,762,000 |
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 | 751,000 | 1,535,000 | 2,362,000 | 3,208,000 |
| Interest expense | 273,000 | 563,000 | 882,000 | 1,203,000 |
| Net interest income | 478,000 | 972,000 | 1,480,000 | 2,005,000 |
| Noninterest income | 58,000 | 115,000 | 188,000 | 239,000 |
| Noninterest expense | 206,000 | 417,000 | 642,000 | 886,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 250,000 |
| Pretax income | 330,000 | 570,000 | 826,000 | 1,108,000 |
| Income tax | 22,000 | 39,000 | 55,000 | 78,000 |
| Net income | 308,000 | 531,000 | 771,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,895,000 | 5,043,000 | 4,729,000 | 4,712,000 |
| Total capital | 5,244,000 | 5,398,000 | 5,114,000 | 5,100,000 |
| Risk-weighted assets | 27,701,000 | 28,100,000 | 30,481,000 | 30,834,000 |