Call reports 2007
STATE BANK OF DELANO — 2007
What STATE BANK OF DELANO 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 | 121,387,000 | 112,637,000 | 109,661,000 | 107,403,000 |
| Total loans | 95,057,000 | 86,768,000 | 84,128,000 | 80,070,000 |
| Allowance for loan losses | 922,000 | 949,000 | 941,000 | 1,537,000 |
| Securities available for sale | 10,817,000 | 11,595,000 | 11,781,000 | 13,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,219,000 | 82,230,000 | 83,972,000 | 83,708,000 |
| Interest-bearing deposits | 79,410,000 | 68,567,000 | 71,544,000 | 71,578,000 |
| Noninterest-bearing deposits | 14,809,000 | 13,663,000 | 12,428,000 | 12,130,000 |
| Equity capital | 14,317,000 | 13,966,000 | 14,065,000 | 13,474,000 |
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 | 2,440,000 | 4,574,000 | 6,461,000 | 8,142,000 |
| Interest expense | 958,000 | 1,801,000 | 2,634,000 | 3,420,000 |
| Net interest income | 1,482,000 | 2,773,000 | 3,827,000 | 4,722,000 |
| Noninterest income | 296,000 | 532,000 | 845,000 | 1,068,000 |
| Noninterest expense | 961,000 | 1,951,000 | 2,923,000 | 3,774,000 |
| Provision for loan losses | 110,000 | 170,000 | 280,000 | 1,247,000 |
| Pretax income | 707,000 | 1,184,000 | 1,469,000 | 769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 707,000 | 1,184,000 | 1,469,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,402,000 | 14,125,000 | 14,107,000 | 13,407,000 |
| Total capital | 15,324,000 | 15,074,000 | 15,048,000 | 14,592,000 |
| Risk-weighted assets | 108,522,000 | 101,284,000 | 98,038,000 | 94,429,000 |
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