Call reports 2007
STATE BANK OF CHILTON — 2007
What STATE BANK OF CHILTON 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 | 173,577,000 | 167,951,000 | 172,981,000 | 179,571,000 |
| Total loans | 155,099,000 | 153,874,000 | 150,768,000 | 146,943,000 |
| Allowance for loan losses | 1,641,000 | 1,893,000 | 1,883,000 | 2,264,000 |
| Securities available for sale | 11,181,000 | 9,603,000 | 9,484,000 | 9,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,687,000 | 141,677,000 | 147,262,000 | 155,260,000 |
| Interest-bearing deposits | 134,679,000 | 126,961,000 | 130,097,000 | 135,770,000 |
| Noninterest-bearing deposits | 14,008,000 | 14,716,000 | 17,165,000 | 19,490,000 |
| Equity capital | 23,284,000 | 23,705,000 | 23,741,000 | 22,714,000 |
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 | 3,221,000 | 6,324,000 | 9,464,000 | 12,653,000 |
| Interest expense | 1,476,000 | 2,945,000 | 4,422,000 | 5,903,000 |
| Net interest income | 1,745,000 | 3,379,000 | 5,042,000 | 6,750,000 |
| Noninterest income | 101,000 | 211,000 | 343,000 | 448,000 |
| Noninterest expense | 974,000 | 1,713,000 | 2,523,000 | 3,545,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,632,000 | 3,482,000 |
| Pretax income | 572,000 | 1,277,000 | 1,230,000 | 171,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 572,000 | 1,277,000 | 1,230,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,326,000 | 23,813,000 | 23,765,000 | 22,706,000 |
| Total capital | 24,967,000 | 25,549,000 | 25,648,000 | 24,595,000 |
| Risk-weighted assets | 140,665,000 | 138,760,000 | 153,536,000 | 150,710,000 |