Call reports 2007
FIRST STATE BANK OF BEECHER CITY — 2007
What FIRST STATE BANK OF BEECHER CITY 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 | 41,242,000 | 41,468,000 | 41,072,000 | 43,540,000 |
| Total loans | 32,920,000 | 34,943,000 | 35,296,000 | 36,082,000 |
| Allowance for loan losses | 498,000 | 523,000 | 536,000 | 517,000 |
| Securities available for sale | 3,972,000 | 4,394,000 | 4,236,000 | 3,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,182,000 | 34,243,000 | 33,556,000 | 35,705,000 |
| Interest-bearing deposits | 29,069,000 | 29,377,000 | 28,974,000 | 30,945,000 |
| Noninterest-bearing deposits | 5,113,000 | 4,866,000 | 4,582,000 | 4,760,000 |
| Equity capital | 6,913,000 | 7,093,000 | 7,346,000 | 7,596,000 |
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 | 778,000 | 1,581,000 | 2,411,000 | 3,263,000 |
| Interest expense | 267,000 | 533,000 | 812,000 | 1,103,000 |
| Net interest income | 511,000 | 1,048,000 | 1,599,000 | 2,160,000 |
| Noninterest income | 69,000 | 141,000 | 216,000 | 291,000 |
| Noninterest expense | 293,000 | 562,000 | 840,000 | 1,217,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 95,000 |
| Pretax income | 287,000 | 577,000 | 900,000 | 1,139,000 |
| Income tax | -12,000 | -12,000 | -12,000 | -12,000 |
| Net income | 299,000 | 589,000 | 912,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,915,000 | 7,111,000 | 7,342,000 | 7,580,000 |
| Total capital | 7,301,000 | 7,517,000 | 7,754,000 | 8,004,000 |
| Risk-weighted assets | 30,820,000 | 32,433,000 | 32,844,000 | 33,846,000 |
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