Call reports 2007
STATE GUARANTY BANK — 2007
What STATE GUARANTY 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 | 31,279,000 | 30,590,000 | 31,644,000 | 31,021,000 |
| Total loans | 12,034,000 | 12,295,000 | 12,622,000 | 12,455,000 |
| Allowance for loan losses | 147,000 | 136,000 | 148,000 | 141,000 |
| Securities available for sale | 16,446,000 | 15,447,000 | 15,660,000 | 16,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,398,000 | 26,743,000 | 27,435,000 | 26,440,000 |
| Interest-bearing deposits | 23,416,000 | 22,781,000 | 23,479,000 | 23,093,000 |
| Noninterest-bearing deposits | 3,982,000 | 3,962,000 | 3,956,000 | 3,347,000 |
| Equity capital | 3,747,000 | 3,748,000 | 3,987,000 | 3,887,000 |
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 | 451,000 | 917,000 | 1,390,000 | 1,865,000 |
| Interest expense | 216,000 | 438,000 | 663,000 | 890,000 |
| Net interest income | 235,000 | 479,000 | 727,000 | 975,000 |
| Noninterest income | 84,000 | 122,000 | 324,000 | 399,000 |
| Noninterest expense | 237,000 | 464,000 | 715,000 | 960,000 |
| Provision for loan losses | 0 | 0 | 19,000 | 26,000 |
| Pretax income | 82,000 | 137,000 | 317,000 | 388,000 |
| Income tax | 14,000 | 15,000 | 64,000 | 72,000 |
| Net income | 68,000 | 122,000 | 253,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,834,000 | 3,888,000 | 4,018,000 | 3,832,000 |
| Total capital | 3,982,000 | 4,024,000 | 4,166,000 | 3,973,000 |
| Risk-weighted assets | 17,570,000 | 17,941,000 | 18,264,000 | 18,097,000 |
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