Call reports 2007
SMACKOVER STATE BANK — 2007
What SMACKOVER STATE 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 | 138,549,000 | 136,412,000 | 138,244,000 | 148,017,000 |
| Total loans | 63,149,000 | 61,908,000 | 62,837,000 | 64,252,000 |
| Allowance for loan losses | 1,158,000 | 1,003,000 | 1,079,000 | 1,068,000 |
| Securities available for sale | 42,273,000 | 43,810,000 | 44,922,000 | 43,932,000 |
| Securities held to maturity | 20,609,000 | 19,471,000 | 19,228,000 | 18,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,461,000 | 121,371,000 | 122,478,000 | 132,115,000 |
| Interest-bearing deposits | 105,543,000 | 104,653,000 | 104,959,000 | 112,855,000 |
| Noninterest-bearing deposits | 17,918,000 | 16,718,000 | 17,519,000 | 19,260,000 |
| Equity capital | 14,531,000 | 14,345,000 | 14,994,000 | 15,319,000 |
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 | 1,896,000 | 3,808,000 | 5,760,000 | 7,771,000 |
| Interest expense | 1,032,000 | 2,091,000 | 3,175,000 | 4,286,000 |
| Net interest income | 864,000 | 1,717,000 | 2,585,000 | 3,485,000 |
| Noninterest income | 148,000 | 324,000 | 498,000 | 688,000 |
| Noninterest expense | 686,000 | 1,377,000 | 2,022,000 | 2,701,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 105,000 |
| Pretax income | 280,000 | 576,000 | 956,000 | 1,367,000 |
| Income tax | 52,000 | 114,000 | 194,000 | 250,000 |
| Net income | 228,000 | 462,000 | 762,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,955,000 | 15,039,000 | 15,189,000 | 15,241,000 |
| Total capital | 15,865,000 | 15,924,000 | 16,086,000 | 16,162,000 |
| Risk-weighted assets | 72,578,000 | 70,674,000 | 71,599,000 | 73,543,000 |
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