Call reports 2007
SECURITY BANK OF NORTH METRO — 2007
What SECURITY BANK OF NORTH METRO 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 | 208,760,000 | 220,454,000 | 213,802,000 | 221,709,000 |
| Total loans | 167,944,000 | 172,099,000 | 168,515,000 | 172,889,000 |
| Allowance for loan losses | 2,079,000 | 2,107,000 | 2,309,000 | 3,298,000 |
| Securities available for sale | 16,206,000 | 14,582,000 | 18,816,000 | 18,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,820,000 | 168,733,000 | 166,358,000 | 175,942,000 |
| Interest-bearing deposits | 168,251,000 | 165,654,000 | 163,537,000 | 172,746,000 |
| Noninterest-bearing deposits | 2,569,000 | 3,079,000 | 2,821,000 | 3,196,000 |
| Equity capital | 35,799,000 | 35,914,000 | 35,081,000 | 35,267,000 |
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 | 4,010,000 | 8,042,000 | 11,897,000 | 15,673,000 |
| Interest expense | 2,182,000 | 4,375,000 | 6,641,000 | 8,906,000 |
| Net interest income | 1,828,000 | 3,667,000 | 5,256,000 | 6,767,000 |
| Noninterest income | 208,000 | 90,000 | -49,000 | -475,000 |
| Noninterest expense | 1,115,000 | 2,262,000 | 3,416,000 | 4,905,000 |
| Provision for loan losses | 225,000 | 425,000 | 628,000 | 3,418,000 |
| Pretax income | 696,000 | 1,070,000 | 1,163,000 | -2,031,000 |
| Income tax | 261,000 | 406,000 | 445,000 | -749,000 |
| Net income | 435,000 | 664,000 | 718,000 | -1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,729,000 | 17,997,000 | 17,028,000 | 17,066,000 |
| Total capital | 19,808,000 | 20,104,000 | 19,337,000 | 19,483,000 |
| Risk-weighted assets | 178,201,000 | 189,357,000 | 186,634,000 | 192,452,000 |