Call reports 2007
PARAGON BANK & TRUST — 2007
What PARAGON BANK & TRUST 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 | 93,943,000 | 92,756,000 | 95,865,000 | 103,614,000 |
| Total loans | 83,052,000 | 82,098,000 | 83,692,000 | 91,481,000 |
| Allowance for loan losses | 1,362,000 | 1,260,000 | 1,286,000 | 1,668,000 |
| Securities available for sale | 1,778,000 | 1,040,000 | 1,538,000 | 1,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,503,000 | 78,502,000 | 79,619,000 | 80,789,000 |
| Interest-bearing deposits | 72,849,000 | 72,537,000 | 72,880,000 | 74,946,000 |
| Noninterest-bearing deposits | 6,654,000 | 5,965,000 | 6,739,000 | 5,843,000 |
| Equity capital | 11,067,000 | 10,818,000 | 10,778,000 | 10,471,000 |
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 | 1,721,000 | 3,414,000 | 5,140,000 | 6,833,000 |
| Interest expense | 899,000 | 1,803,000 | 2,719,000 | 3,638,000 |
| Net interest income | 822,000 | 1,611,000 | 2,421,000 | 3,195,000 |
| Noninterest income | 330,000 | 629,000 | 1,016,000 | 1,590,000 |
| Noninterest expense | 992,000 | 1,994,000 | 3,100,000 | 4,322,000 |
| Provision for loan losses | 67,000 | 218,000 | 377,000 | 985,000 |
| Pretax income | 93,000 | 28,000 | -40,000 | -522,000 |
| Income tax | 31,000 | 7,000 | -15,000 | -181,000 |
| Net income | 62,000 | 21,000 | -25,000 | -341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,759,000 | 9,518,000 | 9,139,000 | 8,844,000 |
| Total capital | 10,857,000 | 10,595,000 | 10,262,000 | 10,053,000 |
| Risk-weighted assets | 87,596,000 | 86,002,000 | 89,667,000 | 96,261,000 |