Call reports 2007
ALDEN STATE BANK — 2007
What ALDEN 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 | 178,978,000 | 172,884,000 | 177,110,000 | 173,055,000 |
| Total loans | 150,804,000 | 147,116,000 | 148,710,000 | 142,264,000 |
| Allowance for loan losses | 2,449,000 | 4,003,000 | 3,999,000 | 3,275,000 |
| Securities available for sale | 8,368,000 | 8,094,000 | 8,172,000 | 8,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,499,000 | 140,870,000 | 145,059,000 | 137,556,000 |
| Interest-bearing deposits | 123,278,000 | 120,658,000 | 126,071,000 | 120,244,000 |
| Noninterest-bearing deposits | 21,221,000 | 20,212,000 | 18,988,000 | 17,312,000 |
| Equity capital | 20,037,000 | 17,867,000 | 18,114,000 | 16,977,000 |
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 | 3,120,000 | 5,979,000 | 9,033,000 | 11,830,000 |
| Interest expense | 1,284,000 | 2,577,000 | 3,890,000 | 5,219,000 |
| Net interest income | 1,836,000 | 3,402,000 | 5,143,000 | 6,611,000 |
| Noninterest income | 213,000 | 401,000 | 587,000 | 439,000 |
| Noninterest expense | 1,459,000 | 2,930,000 | 4,329,000 | 5,699,000 |
| Provision for loan losses | 228,000 | 3,378,000 | 3,643,000 | 4,355,000 |
| Pretax income | 362,000 | -2,505,000 | -2,242,000 | -3,004,000 |
| Income tax | 115,000 | -945,000 | -868,000 | -1,167,000 |
| Net income | 247,000 | -1,560,000 | -1,374,000 | -1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,968,000 | 17,873,000 | 18,060,000 | 17,311,000 |
| Total capital | 21,765,000 | 19,615,000 | 19,846,000 | 19,012,000 |
| Risk-weighted assets | 143,073,000 | 137,077,000 | 140,667,000 | 134,504,000 |