Call reports 2007
1ST STATE BANK — 2007
What 1ST 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 | 105,480,000 | 113,493,000 | 119,823,000 | 124,655,000 |
| Total loans | 86,895,000 | 95,245,000 | 103,402,000 | 106,951,000 |
| Allowance for loan losses | 964,000 | 1,134,000 | 1,236,000 | 1,224,000 |
| Securities available for sale | 11,288,000 | 10,534,000 | 9,782,000 | 9,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,384,000 | 93,976,000 | 97,542,000 | 103,315,000 |
| Interest-bearing deposits | 76,105,000 | 83,008,000 | 87,189,000 | 92,587,000 |
| Noninterest-bearing deposits | 12,279,000 | 10,968,000 | 10,353,000 | 10,728,000 |
| Equity capital | 9,862,000 | 11,266,000 | 11,364,000 | 10,986,000 |
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 | 1,548,000 | 3,319,000 | 5,314,000 | 7,380,000 |
| Interest expense | 895,000 | 1,900,000 | 3,006,000 | 4,162,000 |
| Net interest income | 653,000 | 1,419,000 | 2,308,000 | 3,218,000 |
| Noninterest income | 48,000 | 104,000 | 168,000 | -24,000 |
| Noninterest expense | 818,000 | 1,643,000 | 2,445,000 | 3,440,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 570,000 |
| Pretax income | -267,000 | -420,000 | -419,000 | -816,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -267,000 | -420,000 | -419,000 | -816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,884,000 | 11,362,000 | 11,364,000 | 10,975,000 |
| Total capital | 10,848,000 | 12,496,000 | 12,600,000 | 12,199,000 |
| Risk-weighted assets | 94,664,000 | 103,296,000 | 111,895,000 | 112,799,000 |
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