Call reports 2007
STATE BANK OF TOWNSEND, THE — 2007
What STATE BANK OF TOWNSEND, THE 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 | 36,210,000 | 36,154,000 | 39,236,000 | 38,967,000 |
| Total loans | 22,975,000 | 25,300,000 | 26,372,000 | 24,376,000 |
| Allowance for loan losses | 259,000 | 264,000 | 264,000 | 262,000 |
| Securities available for sale | 8,080,000 | 7,215,000 | 6,235,000 | 6,691,000 |
| Securities held to maturity | 191,000 | 173,000 | 21,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,020,000 | 31,929,000 | 34,787,000 | 34,397,000 |
| Interest-bearing deposits | 24,953,000 | 24,998,000 | 27,935,000 | 26,542,000 |
| Noninterest-bearing deposits | 7,067,000 | 6,931,000 | 6,852,000 | 7,855,000 |
| Equity capital | 3,743,000 | 3,886,000 | 4,110,000 | 4,242,000 |
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 | 695,000 | 1,436,000 | 2,196,000 | 2,946,000 |
| Interest expense | 163,000 | 338,000 | 530,000 | 724,000 |
| Net interest income | 532,000 | 1,098,000 | 1,666,000 | 2,222,000 |
| Noninterest income | 47,000 | 100,000 | 149,000 | 201,000 |
| Noninterest expense | 376,000 | 741,000 | 1,080,000 | 1,583,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 203,000 | 455,000 | 735,000 | 840,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 455,000 | 735,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,736,000 | 3,918,000 | 4,098,000 | 4,203,000 |
| Total capital | 3,995,000 | 4,182,000 | 4,362,000 | 4,465,000 |
| Risk-weighted assets | 20,834,000 | 21,788,000 | 24,189,000 | 23,729,000 |
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