Call reports 2007
DOGWOOD STATE BANK — 2007
What DOGWOOD 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 | 109,548,000 | 112,673,000 | 113,912,000 | 113,585,000 |
| Total loans | 85,580,000 | 89,909,000 | 91,387,000 | 90,258,000 |
| Allowance for loan losses | 1,073,000 | 1,117,000 | 1,145,000 | 1,038,000 |
| Securities available for sale | 13,098,000 | 12,757,000 | 12,482,000 | 11,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,365,000 | 100,559,000 | 99,698,000 | 99,286,000 |
| Interest-bearing deposits | 78,788,000 | 86,147,000 | 85,366,000 | 88,570,000 |
| Noninterest-bearing deposits | 15,577,000 | 14,412,000 | 14,332,000 | 10,716,000 |
| Equity capital | 8,665,000 | 8,740,000 | 9,052,000 | 9,187,000 |
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 | 1,904,000 | 3,898,000 | 5,955,000 | 7,978,000 |
| Interest expense | 917,000 | 1,932,000 | 2,975,000 | 4,000,000 |
| Net interest income | 987,000 | 1,966,000 | 2,980,000 | 3,978,000 |
| Noninterest income | 181,000 | 393,000 | 583,000 | 761,000 |
| Noninterest expense | 758,000 | 1,645,000 | 2,579,000 | 3,504,000 |
| Provision for loan losses | 29,000 | 98,000 | 124,000 | 264,000 |
| Pretax income | 381,000 | 616,000 | 862,000 | 973,000 |
| Income tax | 132,000 | 205,000 | 285,000 | 314,000 |
| Net income | 249,000 | 411,000 | 577,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,700,000 | 8,875,000 | 9,074,000 | 9,176,000 |
| Total capital | 11,773,000 | 11,993,000 | 12,219,000 | 12,214,000 |
| Risk-weighted assets | 90,755,000 | 96,481,000 | 99,125,000 | 99,784,000 |