Call reports 2007
DUPONT STATE BANK — 2007
What DUPONT 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 | 56,043,000 | 59,473,000 | 62,055,000 | 60,563,000 |
| Total loans | 47,772,000 | 51,453,000 | 54,050,000 | 53,117,000 |
| Allowance for loan losses | 728,000 | 767,000 | 839,000 | 824,000 |
| Securities available for sale | 2,426,000 | 2,404,000 | 2,441,000 | 2,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,783,000 | 40,953,000 | 46,955,000 | 43,728,000 |
| Interest-bearing deposits | 35,215,000 | 32,761,000 | 39,616,000 | 37,393,000 |
| Noninterest-bearing deposits | 7,568,000 | 8,192,000 | 7,340,000 | 6,335,000 |
| Equity capital | 7,478,000 | 7,621,000 | 7,763,000 | 7,911,000 |
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 | 1,016,000 | 2,101,000 | 3,267,000 | 4,423,000 |
| Interest expense | 424,000 | 887,000 | 1,415,000 | 1,963,000 |
| Net interest income | 592,000 | 1,214,000 | 1,852,000 | 2,460,000 |
| Noninterest income | 68,000 | 144,000 | 227,000 | 321,000 |
| Noninterest expense | 385,000 | 793,000 | 1,246,000 | 1,686,000 |
| Provision for loan losses | 50,000 | 127,000 | 201,000 | 261,000 |
| Pretax income | 225,000 | 438,000 | 632,000 | 834,000 |
| Income tax | 76,000 | 148,000 | 211,000 | 279,000 |
| Net income | 149,000 | 290,000 | 421,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,625,000 | 6,766,000 | 6,898,000 | 7,032,000 |
| Total capital | 7,167,000 | 7,363,000 | 7,525,000 | 7,642,000 |
| Risk-weighted assets | 43,195,000 | 47,586,000 | 49,940,000 | 48,564,000 |