Call reports 2007
STATE BANK OF GRAYMONT — 2007
What STATE BANK OF GRAYMONT 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 | 95,143,000 | 98,721,000 | 103,165,000 | 106,059,000 |
| Total loans | 58,872,000 | 60,383,000 | 64,707,000 | 65,565,000 |
| Allowance for loan losses | 597,000 | 588,000 | 462,000 | 533,000 |
| Securities available for sale | 28,236,000 | 32,368,000 | 32,975,000 | 31,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,806,000 | 83,099,000 | 85,943,000 | 92,002,000 |
| Interest-bearing deposits | 72,424,000 | 74,900,000 | 77,337,000 | 82,118,000 |
| Noninterest-bearing deposits | 8,382,000 | 8,199,000 | 8,606,000 | 9,884,000 |
| Equity capital | 11,715,000 | 12,650,000 | 12,393,000 | 11,315,000 |
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 | 1,352,000 | 2,744,000 | 4,227,000 | 5,758,000 |
| Interest expense | 603,000 | 1,260,000 | 1,976,000 | 2,740,000 |
| Net interest income | 749,000 | 1,484,000 | 2,251,000 | 3,018,000 |
| Noninterest income | 136,000 | 281,000 | 430,000 | 627,000 |
| Noninterest expense | 641,000 | 1,253,000 | 1,919,000 | 2,664,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 244,000 | 512,000 | 748,000 | 888,000 |
| Income tax | 62,000 | 135,000 | 195,000 | 233,000 |
| Net income | 182,000 | 377,000 | 553,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,327,000 | 9,522,000 | 9,697,000 | 9,800,000 |
| Total capital | 11,443,000 | 12,248,000 | 11,833,000 | 11,067,000 |
| Risk-weighted assets | 64,895,000 | 67,409,000 | 71,530,000 | 72,484,000 |
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