Call reports 2007
ADVANTAGE COMMUNITY BANK — 2007
What ADVANTAGE 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 | 109,170,000 | 111,126,000 | 113,629,000 | 115,837,000 |
| Total loans | 86,049,000 | 88,027,000 | 90,311,000 | 90,630,000 |
| Allowance for loan losses | 1,240,000 | 1,245,000 | 1,219,000 | 1,222,000 |
| Securities available for sale | 6,161,000 | 6,551,000 | 5,638,000 | 6,028,000 |
| Securities held to maturity | 217,000 | 186,000 | 186,000 | 186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,671,000 | 92,416,000 | 92,535,000 | 94,497,000 |
| Interest-bearing deposits | 84,567,000 | 84,331,000 | 84,592,000 | 84,850,000 |
| Noninterest-bearing deposits | 6,104,000 | 8,085,000 | 7,943,000 | 9,647,000 |
| Equity capital | 9,409,000 | 9,638,000 | 9,918,000 | 10,132,000 |
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 | 1,706,000 | 3,468,000 | 5,320,000 | 7,154,000 |
| Interest expense | 919,000 | 1,866,000 | 2,845,000 | 3,787,000 |
| Net interest income | 787,000 | 1,602,000 | 2,475,000 | 3,367,000 |
| Noninterest income | 93,000 | 192,000 | 286,000 | 412,000 |
| Noninterest expense | 550,000 | 1,089,000 | 1,650,000 | 2,285,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 84,000 |
| Pretax income | 328,000 | 700,000 | 1,104,000 | 1,410,000 |
| Income tax | 118,000 | 254,000 | 401,000 | 508,000 |
| Net income | 210,000 | 446,000 | 703,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,873,000 | 9,094,000 | 9,363,000 | 9,560,000 |
| Total capital | 10,098,000 | 10,388,000 | 10,639,000 | 10,839,000 |
| Risk-weighted assets | 97,951,000 | 103,514,000 | 105,393,000 | 106,955,000 |