Call reports 2007
CHARLEVOIX STATE BANK — 2007
What CHARLEVOIX 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 | 125,324,000 | 124,505,000 | 136,702,000 | 124,246,000 |
| Total loans | 104,940,000 | 104,901,000 | 105,698,000 | 105,583,000 |
| Allowance for loan losses | 1,013,000 | 1,095,000 | 1,143,000 | 1,068,000 |
| Securities available for sale | 7,258,000 | 6,997,000 | 8,072,000 | 8,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,871,000 | 108,695,000 | 120,607,000 | 111,654,000 |
| Interest-bearing deposits | 86,884,000 | 82,628,000 | 97,435,000 | 89,331,000 |
| Noninterest-bearing deposits | 21,987,000 | 26,067,000 | 23,172,000 | 22,323,000 |
| Equity capital | 12,844,000 | 13,110,000 | 13,553,000 | 10,585,000 |
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 | 2,110,000 | 4,228,000 | 6,451,000 | 8,630,000 |
| Interest expense | 774,000 | 1,468,000 | 2,236,000 | 2,992,000 |
| Net interest income | 1,336,000 | 2,760,000 | 4,215,000 | 5,638,000 |
| Noninterest income | 200,000 | 422,000 | 824,000 | 1,088,000 |
| Noninterest expense | 1,098,000 | 2,265,000 | 3,428,000 | 4,583,000 |
| Provision for loan losses | 45,000 | 90,000 | 190,000 | 278,000 |
| Pretax income | 393,000 | 827,000 | 1,421,000 | 1,865,000 |
| Income tax | 114,000 | 248,000 | 442,000 | 570,000 |
| Net income | 279,000 | 579,000 | 979,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,822,000 | 13,122,000 | 13,522,000 | 10,539,000 |
| Total capital | 13,835,000 | 14,217,000 | 14,665,000 | 11,609,000 |
| Risk-weighted assets | 104,323,000 | 103,314,000 | 107,239,000 | 104,519,000 |
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