Call reports 2007
STURDY SAVINGS BANK — 2007
What STURDY SAVINGS 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 | 430,665,000 | 425,646,000 | 435,519,000 | 443,007,000 |
| Total loans | 316,505,000 | 307,992,000 | 306,213,000 | 308,995,000 |
| Allowance for loan losses | 2,756,000 | 2,681,000 | 2,561,000 | 2,646,000 |
| Securities available for sale | 10,863,000 | 10,628,000 | 12,089,000 | 14,557,000 |
| Securities held to maturity | 52,408,000 | 55,314,000 | 56,742,000 | 52,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,705,000 | 361,911,000 | 361,811,000 | 339,894,000 |
| Interest-bearing deposits | 318,387,000 | 317,343,000 | 320,561,000 | 304,502,000 |
| Noninterest-bearing deposits | 35,318,000 | 44,568,000 | 41,250,000 | 35,392,000 |
| Equity capital | 52,665,000 | 53,073,000 | 53,442,000 | 53,693,000 |
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 | 5,662,000 | 11,428,000 | 17,381,000 | 23,358,000 |
| Interest expense | 2,278,000 | 4,573,000 | 6,801,000 | 9,120,000 |
| Net interest income | 3,384,000 | 6,855,000 | 10,580,000 | 14,238,000 |
| Noninterest income | 455,000 | 969,000 | 1,482,000 | 1,986,000 |
| Noninterest expense | 3,226,000 | 6,688,000 | 10,248,000 | 14,066,000 |
| Provision for loan losses | -216,000 | -291,000 | -411,000 | -354,000 |
| Pretax income | 834,000 | 1,432,000 | 2,230,000 | 2,517,000 |
| Income tax | 259,000 | 409,000 | 648,000 | 671,000 |
| Net income | 575,000 | 1,023,000 | 1,582,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,439,000 | 50,786,000 | 51,136,000 | 51,301,000 |
| Total capital | 53,195,000 | 53,467,000 | 53,697,000 | 53,947,000 |
| Risk-weighted assets | 296,086,000 | 297,375,000 | 300,364,000 | 305,740,000 |
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