Call reports 2007
TRUCOMMUNITY BANK — 2007
What TRUCOMMUNITY 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 | 55,370,000 | 58,004,000 | 59,293,000 | 60,674,000 |
| Total loans | 37,828,000 | 42,026,000 | 42,254,000 | 43,335,000 |
| Allowance for loan losses | 917,000 | 927,000 | 955,000 | 967,000 |
| Securities available for sale | 12,869,000 | 12,560,000 | 12,825,000 | 12,935,000 |
| Securities held to maturity | 522,000 | 964,000 | 962,000 | 961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,045,000 | 48,051,000 | 51,228,000 | 54,129,000 |
| Interest-bearing deposits | 42,100,000 | 41,520,000 | 44,347,000 | 46,979,000 |
| Noninterest-bearing deposits | 6,945,000 | 6,531,000 | 6,881,000 | 7,150,000 |
| Equity capital | 5,851,000 | 5,926,000 | 6,174,000 | 6,052,000 |
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 | 893,000 | 1,860,000 | 2,897,000 | 3,927,000 |
| Interest expense | 317,000 | 677,000 | 1,077,000 | 1,470,000 |
| Net interest income | 576,000 | 1,183,000 | 1,820,000 | 2,457,000 |
| Noninterest income | 100,000 | 206,000 | 313,000 | 397,000 |
| Noninterest expense | 413,000 | 899,000 | 1,344,000 | 2,114,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 248,000 | 460,000 | 744,000 | 680,000 |
| Income tax | 84,000 | 152,000 | 247,000 | 223,000 |
| Net income | 164,000 | 308,000 | 497,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,953,000 | 6,061,000 | 6,215,000 | 5,991,000 |
| Total capital | 6,427,000 | 6,584,000 | 6,749,000 | 6,541,000 |
| Risk-weighted assets | 37,485,000 | 41,432,000 | 42,316,000 | 43,576,000 |