Call reports 2007
STOCK GROWERS BANK — 2007
What STOCK GROWERS 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 | 69,363,000 | 68,437,000 | 69,021,000 | 72,982,000 |
| Total loans | 37,911,000 | 41,101,000 | 40,908,000 | 41,119,000 |
| Allowance for loan losses | 401,000 | 440,000 | 419,000 | 421,000 |
| Securities available for sale | 24,475,000 | 23,233,000 | 23,376,000 | 23,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,192,000 | 54,928,000 | 54,296,000 | 61,082,000 |
| Interest-bearing deposits | 49,316,000 | 46,903,000 | 44,508,000 | 48,333,000 |
| Noninterest-bearing deposits | 8,876,000 | 8,025,000 | 9,788,000 | 12,749,000 |
| Equity capital | 10,768,000 | 10,809,000 | 11,456,000 | 11,607,000 |
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 | 954,000 | 1,939,000 | 2,951,000 | 3,958,000 |
| Interest expense | 382,000 | 777,000 | 1,203,000 | 1,587,000 |
| Net interest income | 572,000 | 1,162,000 | 1,748,000 | 2,371,000 |
| Noninterest income | 66,000 | 130,000 | 191,000 | 255,000 |
| Noninterest expense | 245,000 | 508,000 | 771,000 | 1,433,000 |
| Provision for loan losses | -9,000 | 29,000 | 8,000 | 9,000 |
| Pretax income | 402,000 | 749,000 | 1,154,000 | 1,178,000 |
| Income tax | 28,000 | 53,000 | 81,000 | 83,000 |
| Net income | 374,000 | 696,000 | 1,073,000 | 1,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,861,000 | 11,184,000 | 11,561,000 | 11,583,000 |
| Total capital | 11,262,000 | 11,624,000 | 11,980,000 | 12,004,000 |
| Risk-weighted assets | 48,346,000 | 51,259,000 | 51,247,000 | 51,539,000 |