Call reports 2007
FIRST STATE BANK OF RANDOLPH COUNTY — 2007
What FIRST STATE BANK OF RANDOLPH COUNTY 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 | 48,793,000 | 50,386,000 | 51,250,000 | 53,309,000 |
| Total loans | 33,349,000 | 36,041,000 | 36,446,000 | 36,473,000 |
| Allowance for loan losses | 222,000 | 222,000 | 220,000 | 222,000 |
| Securities available for sale | 10,502,000 | 9,916,000 | 9,825,000 | 9,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,013,000 | 42,566,000 | 44,204,000 | 46,661,000 |
| Interest-bearing deposits | 30,424,000 | 30,673,000 | 32,874,000 | 32,874,000 |
| Noninterest-bearing deposits | 11,589,000 | 11,893,000 | 11,330,000 | 13,787,000 |
| Equity capital | 5,980,000 | 5,854,000 | 6,110,000 | 5,888,000 |
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 | 847,000 | 1,742,000 | 2,699,000 | 3,630,000 |
| Interest expense | 309,000 | 632,000 | 976,000 | 1,333,000 |
| Net interest income | 538,000 | 1,110,000 | 1,723,000 | 2,297,000 |
| Noninterest income | 94,000 | 188,000 | 299,000 | 388,000 |
| Noninterest expense | 452,000 | 886,000 | 1,329,000 | 1,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 193,000 | 429,000 | 676,000 | 926,000 |
| Income tax | 13,000 | 20,000 | 25,000 | 55,000 |
| Net income | 180,000 | 409,000 | 651,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,006,000 | 6,036,000 | 6,178,000 | 5,888,000 |
| Total capital | 6,006,000 | 6,258,000 | 6,398,000 | 6,110,000 |
| Risk-weighted assets | 36,074,000 | 38,742,000 | 40,110,000 | 43,850,000 |
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