Call reports 2007
BENTON COUNTY STATE BANK — 2007
What BENTON COUNTY 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 | 37,950,000 | 38,572,000 | 39,915,000 | 41,659,000 |
| Total loans | 26,788,000 | 27,416,000 | 27,442,000 | 28,004,000 |
| Allowance for loan losses | 257,000 | 257,000 | 257,000 | 256,000 |
| Securities available for sale | 8,521,000 | 9,285,000 | 9,428,000 | 8,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,528,000 | 25,016,000 | 25,407,000 | 28,184,000 |
| Interest-bearing deposits | 22,168,000 | 21,672,000 | 21,795,000 | 23,451,000 |
| Noninterest-bearing deposits | 3,360,000 | 3,344,000 | 3,612,000 | 4,733,000 |
| Equity capital | 4,768,000 | 4,594,000 | 4,826,000 | 4,817,000 |
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 | 664,000 | 1,322,000 | 2,026,000 | 2,636,000 |
| Interest expense | 295,000 | 602,000 | 928,000 | 1,256,000 |
| Net interest income | 369,000 | 720,000 | 1,098,000 | 1,380,000 |
| Noninterest income | 38,000 | 72,000 | 124,000 | 214,000 |
| Noninterest expense | 205,000 | 443,000 | 661,000 | 919,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 349,000 | 561,000 | 675,000 |
| Income tax | 70,000 | 119,000 | 185,000 | 213,000 |
| Net income | 132,000 | 230,000 | 376,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,786,000 | 4,674,000 | 4,819,000 | 4,756,000 |
| Total capital | 5,043,000 | 4,931,000 | 5,076,000 | 5,012,000 |
| Risk-weighted assets | 23,897,000 | 26,861,000 | 27,531,000 | 28,487,000 |
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