Call reports 2007
STATE BANK & TRUST OF KENMARE — 2007
What STATE BANK & TRUST OF KENMARE 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 | 73,712,000 | 74,661,000 | 78,267,000 | 81,249,000 |
| Total loans | 53,501,000 | 54,635,000 | 54,718,000 | 49,714,000 |
| Allowance for loan losses | 1,004,000 | 830,000 | 839,000 | 694,000 |
| Securities available for sale | 11,464,000 | 11,543,000 | 11,621,000 | 12,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,864,000 | 67,648,000 | 70,937,000 | 73,694,000 |
| Interest-bearing deposits | 62,689,000 | 63,141,000 | 65,248,000 | 65,710,000 |
| Noninterest-bearing deposits | 4,175,000 | 4,507,000 | 5,689,000 | 7,984,000 |
| Equity capital | 5,456,000 | 5,588,000 | 5,808,000 | 5,966,000 |
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 | 1,136,000 | 2,346,000 | 3,577,000 | 4,781,000 |
| Interest expense | 624,000 | 1,289,000 | 1,950,000 | 2,583,000 |
| Net interest income | 512,000 | 1,057,000 | 1,627,000 | 2,198,000 |
| Noninterest income | 26,000 | 45,000 | 70,000 | 143,000 |
| Noninterest expense | 355,000 | 744,000 | 1,138,000 | 1,622,000 |
| Provision for loan losses | 560,000 | 560,000 | 560,000 | 560,000 |
| Pretax income | -377,000 | -202,000 | -1,000 | 161,000 |
| Income tax | -26,000 | -14,000 | 0 | 11,000 |
| Net income | -351,000 | -188,000 | -1,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,452,000 | 5,615,000 | 5,803,000 | 5,952,000 |
| Total capital | 6,147,000 | 6,320,000 | 6,521,000 | 6,632,000 |
| Risk-weighted assets | 55,297,000 | 56,246,000 | 57,354,000 | 54,381,000 |
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