Call reports 2007
GREERS FERRY LAKE STATE BANK — 2007
What GREERS FERRY LAKE STATE 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 | 57,261,000 | 56,177,000 | 56,526,000 | 57,742,000 |
| Total loans | 25,395,000 | 25,708,000 | 25,644,000 | 24,438,000 |
| Allowance for loan losses | 331,000 | 331,000 | 340,000 | 285,000 |
| Securities available for sale | 16,198,000 | 14,006,000 | 12,710,000 | 11,418,000 |
| Securities held to maturity | 7,406,000 | 10,039,000 | 11,167,000 | 14,453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,521,000 | 46,546,000 | 46,788,000 | 47,880,000 |
| Interest-bearing deposits | 40,073,000 | 38,576,000 | 39,365,000 | 40,695,000 |
| Noninterest-bearing deposits | 7,448,000 | 7,970,000 | 7,423,000 | 7,185,000 |
| Equity capital | 4,781,000 | 4,698,000 | 4,740,000 | 4,855,000 |
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 | 838,000 | 1,670,000 | 2,523,000 | 3,416,000 |
| Interest expense | 408,000 | 826,000 | 1,247,000 | 1,677,000 |
| Net interest income | 430,000 | 844,000 | 1,276,000 | 1,739,000 |
| Noninterest income | 167,000 | 329,000 | 485,000 | 650,000 |
| Noninterest expense | 387,000 | 777,000 | 1,184,000 | 1,581,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 15,000 |
| Pretax income | 210,000 | 397,000 | 563,000 | 794,000 |
| Income tax | 30,000 | 90,000 | 210,000 | 234,000 |
| Net income | 180,000 | 307,000 | 353,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,859,000 | 4,868,000 | 4,869,000 | 4,951,000 |
| Total capital | 5,190,000 | 5,199,000 | 5,209,000 | 5,236,000 |
| Risk-weighted assets | 30,902,000 | 31,597,000 | 31,979,000 | 32,068,000 |