Call reports 2007
SYMPHONY BANK — 2007
What SYMPHONY 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 | 46,412,000 | 46,905,000 | 45,670,000 | 51,212,000 |
| Total loans | 35,122,000 | 32,255,000 | 35,869,000 | 36,679,000 |
| Allowance for loan losses | 528,000 | 565,000 | 700,000 | 800,000 |
| Securities available for sale | 5,126,000 | 5,891,000 | 4,745,000 | 6,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,963,000 | 37,948,000 | 36,332,000 | 43,272,000 |
| Interest-bearing deposits | 29,789,000 | 30,882,000 | 30,820,000 | 36,847,000 |
| Noninterest-bearing deposits | 7,174,000 | 7,066,000 | 5,512,000 | 6,426,000 |
| Equity capital | 9,171,000 | 8,661,000 | 8,095,000 | 7,532,000 |
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 | 718,000 | 1,548,000 | 2,330,000 | 3,078,000 |
| Interest expense | 344,000 | 758,000 | 1,159,000 | 1,586,000 |
| Net interest income | 374,000 | 790,000 | 1,171,000 | 1,492,000 |
| Noninterest income | 5,000 | 89,000 | 96,000 | 105,000 |
| Noninterest expense | 776,000 | 1,607,000 | 2,529,000 | 3,320,000 |
| Provision for loan losses | 134,000 | 251,000 | 337,000 | 485,000 |
| Pretax income | -531,000 | -979,000 | -1,599,000 | -2,208,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -531,000 | -979,000 | -1,599,000 | -2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,152,000 | 8,704,000 | 8,084,000 | 7,475,000 |
| Total capital | 9,680,000 | 9,269,000 | 8,638,000 | 8,088,000 |
| Risk-weighted assets | 49,815,000 | 45,239,000 | 44,168,000 | 48,103,000 |