Call reports 2007
STATE BANK OF NEW RICHLAND — 2007
What STATE BANK OF NEW RICHLAND 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 | 58,878,000 | 63,784,000 | 61,715,000 | 65,287,000 |
| Total loans | 46,169,000 | 47,623,000 | 49,118,000 | 52,012,000 |
| Allowance for loan losses | 640,000 | 640,000 | 678,000 | 601,000 |
| Securities available for sale | 9,986,000 | 8,974,000 | 9,384,000 | 9,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,624,000 | 49,483,000 | 45,036,000 | 43,199,000 |
| Interest-bearing deposits | 37,158,000 | 44,691,000 | 40,182,000 | 37,296,000 |
| Noninterest-bearing deposits | 4,466,000 | 4,792,000 | 4,854,000 | 5,903,000 |
| Equity capital | 4,359,000 | 3,750,000 | 4,530,000 | 4,384,000 |
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 | 1,032,000 | 2,121,000 | 3,259,000 | 4,381,000 |
| Interest expense | 491,000 | 1,028,000 | 1,584,000 | 2,141,000 |
| Net interest income | 541,000 | 1,093,000 | 1,675,000 | 2,240,000 |
| Noninterest income | 65,000 | 132,000 | 209,000 | 289,000 |
| Noninterest expense | 279,000 | 560,000 | 875,000 | 1,250,000 |
| Provision for loan losses | 6,000 | 6,000 | 46,000 | 49,000 |
| Pretax income | 321,000 | 659,000 | 963,000 | 1,230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 321,000 | 659,000 | 963,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,088,000 | 5,320,000 | 5,518,000 | 5,130,000 |
| Total capital | 5,655,000 | 5,915,000 | 6,121,000 | 5,690,000 |
| Risk-weighted assets | 44,890,000 | 46,989,000 | 47,821,000 | 50,379,000 |
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