Call reports 2007
CONGAREE STATE BANK — 2007
What CONGAREE 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 | 34,432,000 | 50,723,000 | 62,698,000 | 76,984,000 |
| Total loans | 13,196,000 | 27,407,000 | 37,637,000 | 55,255,000 |
| Allowance for loan losses | 145,000 | 288,000 | 377,000 | 553,000 |
| Securities available for sale | 7,365,000 | 10,254,000 | 14,142,000 | 14,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,100,000 | 36,551,000 | 48,734,000 | 60,810,000 |
| Interest-bearing deposits | 18,953,000 | 30,744,000 | 43,910,000 | 55,368,000 |
| Noninterest-bearing deposits | 3,147,000 | 5,807,000 | 4,824,000 | 5,441,000 |
| Equity capital | 12,271,000 | 11,600,000 | 11,417,000 | 11,027,000 |
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 | 441,000 | 1,081,000 | 2,022,000 | 3,184,000 |
| Interest expense | 173,000 | 486,000 | 975,000 | 1,567,000 |
| Net interest income | 268,000 | 595,000 | 1,047,000 | 1,617,000 |
| Noninterest income | 14,000 | 29,000 | 55,000 | 96,000 |
| Noninterest expense | 661,000 | 1,686,000 | 2,532,000 | 3,699,000 |
| Provision for loan losses | 96,000 | 238,000 | 327,000 | 503,000 |
| Pretax income | -475,000 | -1,300,000 | -1,757,000 | -2,489,000 |
| Income tax | -222,000 | -503,000 | -666,000 | -915,000 |
| Net income | -253,000 | -797,000 | -1,091,000 | -1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,261,000 | 10,860,000 | 11,423,000 | 9,762,000 |
| Total capital | 12,406,000 | 11,148,000 | 11,800,000 | 10,315,000 |
| Risk-weighted assets | 20,429,000 | 34,870,000 | 46,876,000 | 64,971,000 |
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