Call reports 2007
STATE CENTRAL BANK — 2007
What STATE CENTRAL 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 | 243,866,000 | 243,275,000 | 242,382,000 | 248,094,000 |
| Total loans | 205,019,000 | 210,146,000 | 207,216,000 | 220,593,000 |
| Allowance for loan losses | 2,729,000 | 2,989,000 | 2,986,000 | 2,807,000 |
| Securities available for sale | 20,253,000 | 18,402,000 | 18,108,000 | 14,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,782,000 | 189,873,000 | 192,149,000 | 186,399,000 |
| Interest-bearing deposits | 168,169,000 | 166,634,000 | 170,163,000 | 159,193,000 |
| Noninterest-bearing deposits | 23,613,000 | 23,239,000 | 21,986,000 | 27,206,000 |
| Equity capital | 18,873,000 | 19,622,000 | 21,108,000 | 21,351,000 |
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 | 4,155,000 | 8,614,000 | 13,164,000 | 17,691,000 |
| Interest expense | 1,718,000 | 3,604,000 | 5,540,000 | 7,432,000 |
| Net interest income | 2,437,000 | 5,010,000 | 7,624,000 | 10,259,000 |
| Noninterest income | 787,000 | 1,357,000 | 1,912,000 | 2,303,000 |
| Noninterest expense | 1,745,000 | 3,421,000 | 5,059,000 | 7,341,000 |
| Provision for loan losses | 305,000 | 305,000 | 305,000 | 305,000 |
| Pretax income | 1,174,000 | 2,641,000 | 4,172,000 | 4,916,000 |
| Income tax | 624,000 | 624,000 | 876,000 | 973,000 |
| Net income | 550,000 | 2,017,000 | 3,296,000 | 3,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,676,000 | 18,693,000 | 19,972,000 | 19,949,000 |
| Total capital | 20,356,000 | 21,434,000 | 22,626,000 | 22,717,000 |
| Risk-weighted assets | 214,336,000 | 219,053,000 | 211,966,000 | 221,432,000 |