Call reports 2007
STATE BANK OF SPEER — 2007
What STATE BANK OF SPEER 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 | 124,253,000 | 130,156,000 | 131,020,000 | 125,689,000 |
| Total loans | 67,074,000 | 66,372,000 | 66,903,000 | 66,851,000 |
| Allowance for loan losses | 413,000 | 413,000 | 451,000 | 452,000 |
| Securities available for sale | 48,932,000 | 48,505,000 | 54,468,000 | 48,431,000 |
| Securities held to maturity | 1,504,000 | 1,509,000 | 1,514,000 | 1,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,826,000 | 117,560,000 | 114,289,000 | 108,675,000 |
| Interest-bearing deposits | 101,875,000 | 107,625,000 | 104,574,000 | 96,092,000 |
| Noninterest-bearing deposits | 8,951,000 | 9,935,000 | 9,715,000 | 12,583,000 |
| Equity capital | 7,798,000 | 7,074,000 | 8,092,000 | 8,669,000 |
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 | 1,752,000 | 3,518,000 | 5,351,000 | 7,164,000 |
| Interest expense | 1,058,000 | 2,167,000 | 3,340,000 | 4,451,000 |
| Net interest income | 694,000 | 1,351,000 | 2,011,000 | 2,713,000 |
| Noninterest income | 86,000 | 183,000 | 285,000 | 387,000 |
| Noninterest expense | 573,000 | 1,196,000 | 1,747,000 | 2,571,000 |
| Provision for loan losses | 0 | 0 | 127,000 | 127,000 |
| Pretax income | 207,000 | 338,000 | 425,000 | 404,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 207,000 | 336,000 | 422,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,681,000 | 8,769,000 | 8,781,000 | 8,688,000 |
| Total capital | 9,094,000 | 9,182,000 | 9,232,000 | 9,140,000 |
| Risk-weighted assets | 77,367,000 | 79,198,000 | 80,489,000 | 79,807,000 |
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