Call reports 2007
STATE BANK OF INDUSTRY — 2007
What STATE BANK OF INDUSTRY 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 | 29,989,000 | 28,956,000 | 28,429,000 | 31,153,000 |
| Total loans | 18,142,000 | 19,086,000 | 20,347,000 | 20,209,000 |
| Allowance for loan losses | 282,000 | 284,000 | 293,000 | 143,000 |
| Securities available for sale | 5,198,000 | 4,923,000 | 4,446,000 | 4,893,000 |
| Securities held to maturity | 2,097,000 | 1,993,000 | 1,929,000 | 1,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,266,000 | 24,194,000 | 23,550,000 | 26,335,000 |
| Interest-bearing deposits | 22,748,000 | 21,935,000 | 21,714,000 | 23,457,000 |
| Noninterest-bearing deposits | 2,518,000 | 2,259,000 | 1,837,000 | 2,878,000 |
| Equity capital | 4,453,000 | 4,482,000 | 4,588,000 | 4,545,000 |
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 | 436,000 | 887,000 | 1,350,000 | 1,851,000 |
| Interest expense | 176,000 | 358,000 | 542,000 | 740,000 |
| Net interest income | 260,000 | 529,000 | 808,000 | 1,111,000 |
| Noninterest income | 32,000 | 68,000 | 109,000 | 153,000 |
| Noninterest expense | 170,000 | 341,000 | 527,000 | 711,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 85,000 |
| Pretax income | 113,000 | 238,000 | 363,000 | 468,000 |
| Income tax | 23,000 | 71,000 | 117,000 | 158,000 |
| Net income | 90,000 | 167,000 | 246,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,474,000 | 4,512,000 | 4,591,000 | 4,535,000 |
| Total capital | 4,713,000 | 4,757,000 | 4,847,000 | 4,678,000 |
| Risk-weighted assets | 19,070,000 | 19,532,000 | 20,424,000 | 20,878,000 |
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