Call reports 2007
STATE BANK OF BEMENT — 2007
What STATE BANK OF BEMENT 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 | 52,990,000 | 52,333,000 | 54,189,000 | 53,612,000 |
| Total loans | 33,179,000 | 34,088,000 | 35,408,000 | 38,160,000 |
| Allowance for loan losses | 376,000 | 399,000 | 342,000 | 353,000 |
| Securities available for sale | 1,670,000 | 2,404,000 | 2,432,000 | 2,247,000 |
| Securities held to maturity | 7,922,000 | 8,730,000 | 8,105,000 | 8,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,247,000 | 43,506,000 | 45,222,000 | 44,618,000 |
| Interest-bearing deposits | 39,360,000 | 38,406,000 | 35,770,000 | 38,461,000 |
| Noninterest-bearing deposits | 4,887,000 | 5,100,000 | 9,452,000 | 6,157,000 |
| Equity capital | 8,447,000 | 8,515,000 | 8,641,000 | 8,682,000 |
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 | 803,000 | 1,633,000 | 2,459,000 | 3,378,000 |
| Interest expense | 291,000 | 595,000 | 892,000 | 1,200,000 |
| Net interest income | 512,000 | 1,038,000 | 1,567,000 | 2,178,000 |
| Noninterest income | 139,000 | 258,000 | 385,000 | 574,000 |
| Noninterest expense | 489,000 | 969,000 | 1,475,000 | 2,052,000 |
| Provision for loan losses | 6,000 | 30,000 | 36,000 | 50,000 |
| Pretax income | 156,000 | 297,000 | 441,000 | 650,000 |
| Income tax | 41,000 | 77,000 | 112,000 | 176,000 |
| Net income | 115,000 | 220,000 | 329,000 | 474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,453,000 | 8,527,000 | 8,636,000 | 8,666,000 |
| Total capital | 8,829,000 | 8,926,000 | 8,978,000 | 9,019,000 |
| Risk-weighted assets | 37,504,000 | 37,981,000 | 39,767,000 | 40,987,000 |