Call reports 2007
STELLARONE BANK — 2007
What STELLARONE 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 | 1,524,674,000 | 1,547,369,000 | 1,508,012,000 | 1,495,940,000 |
| Total loans | 1,160,224,000 | 1,152,628,000 | 1,128,304,000 | 1,122,019,000 |
| Allowance for loan losses | 14,312,000 | 13,886,000 | 11,634,000 | 14,023,000 |
| Securities available for sale | 184,547,000 | 200,715,000 | 206,879,000 | 219,472,000 |
| Securities held to maturity | 1,249,000 | 1,240,000 | 1,233,000 | 928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,279,451,000 | 1,301,523,000 | 1,266,162,000 | 1,264,095,000 |
| Interest-bearing deposits | 1,117,176,000 | 1,141,541,000 | 1,110,167,000 | 1,113,831,000 |
| Noninterest-bearing deposits | 162,275,000 | 159,982,000 | 155,995,000 | 150,264,000 |
| Equity capital | 177,712,000 | 177,740,000 | 180,847,000 | 182,035,000 |
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 | 24,305,000 | 49,598,000 | 74,621,000 | 98,924,000 |
| Interest expense | 10,621,000 | 21,955,000 | 33,368,000 | 44,161,000 |
| Net interest income | 13,684,000 | 27,643,000 | 41,253,000 | 54,763,000 |
| Noninterest income | 3,548,000 | 6,935,000 | 10,436,000 | 14,072,000 |
| Noninterest expense | 10,274,000 | 20,543,000 | 31,095,000 | 41,559,000 |
| Provision for loan losses | 678,000 | 678,000 | 2,301,000 | 6,376,000 |
| Pretax income | 6,280,000 | 13,357,000 | 18,293,000 | 20,900,000 |
| Income tax | 2,097,000 | 4,470,000 | 6,078,000 | 6,852,000 |
| Net income | 4,183,000 | 8,887,000 | 12,215,000 | 14,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,972,000 | 133,691,000 | 135,155,000 | 134,966,000 |
| Total capital | 145,284,000 | 147,577,000 | 146,789,000 | 148,989,000 |
| Risk-weighted assets | 1,256,189,000 | 1,255,735,000 | 1,225,479,000 | 1,216,282,000 |
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