Call reports 2007
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2007
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 80,331,000 | 78,917,000 | 80,986,000 | 94,687,000 |
| Total loans | 51,586,000 | 52,165,000 | 54,342,000 | 53,494,000 |
| Allowance for loan losses | 532,000 | 537,000 | 491,000 | 504,000 |
| Securities available for sale | 18,164,000 | 18,144,000 | 18,280,000 | 18,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,745,000 | 67,070,000 | 68,660,000 | 82,185,000 |
| Interest-bearing deposits | 53,256,000 | 53,441,000 | 54,405,000 | 68,227,000 |
| Noninterest-bearing deposits | 15,489,000 | 13,629,000 | 14,255,000 | 13,958,000 |
| Equity capital | 11,013,000 | 11,314,000 | 11,681,000 | 11,932,000 |
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 | 1,594,000 | 3,193,000 | 4,829,000 | 6,605,000 |
| Interest expense | 555,000 | 1,114,000 | 1,695,000 | 2,379,000 |
| Net interest income | 1,039,000 | 2,079,000 | 3,134,000 | 4,226,000 |
| Noninterest income | 122,000 | 250,000 | 391,000 | 510,000 |
| Noninterest expense | 641,000 | 1,300,000 | 1,968,000 | 2,816,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 75,000 |
| Pretax income | 524,000 | 1,033,000 | 1,536,000 | 1,851,000 |
| Income tax | 156,000 | 336,000 | 536,000 | 659,000 |
| Net income | 368,000 | 697,000 | 1,000,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,069,000 | 11,398,000 | 11,702,000 | 11,893,000 |
| Total capital | 11,601,000 | 11,935,000 | 12,193,000 | 12,397,000 |
| Risk-weighted assets | 56,676,000 | 56,906,000 | 58,475,000 | 61,048,000 |
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