Call reports 2007
STATE BANK, THE — 2007
What STATE BANK, THE 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 | 395,926,000 | 386,984,000 | 390,134,000 | 395,447,000 |
| Total loans | 295,100,000 | 292,956,000 | 299,463,000 | 300,186,000 |
| Allowance for loan losses | 4,275,000 | 4,612,000 | 8,419,000 | 4,882,000 |
| Securities available for sale | 59,342,000 | 56,588,000 | 49,416,000 | 44,845,000 |
| Securities held to maturity | 9,923,000 | 8,416,000 | 8,340,000 | 8,203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,201,000 | 346,895,000 | 349,967,000 | 355,145,000 |
| Interest-bearing deposits | 293,275,000 | 288,382,000 | 296,161,000 | 301,825,000 |
| Noninterest-bearing deposits | 56,926,000 | 58,513,000 | 53,806,000 | 53,320,000 |
| Equity capital | 32,047,000 | 32,325,000 | 31,031,000 | 31,831,000 |
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 | 6,351,000 | 12,626,000 | 18,802,000 | 24,717,000 |
| Interest expense | 2,484,000 | 4,952,000 | 7,517,000 | 10,126,000 |
| Net interest income | 3,867,000 | 7,674,000 | 11,285,000 | 14,591,000 |
| Noninterest income | 1,546,000 | 3,091,000 | 4,698,000 | 6,223,000 |
| Noninterest expense | 3,623,000 | 7,226,000 | 10,678,000 | 14,222,000 |
| Provision for loan losses | 235,000 | 630,000 | 5,085,000 | 5,395,000 |
| Pretax income | 1,555,000 | 2,909,000 | 220,000 | 1,199,000 |
| Income tax | 462,000 | 861,000 | -119,000 | 159,000 |
| Net income | 1,093,000 | 2,048,000 | 339,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,573,000 | 33,095,000 | 31,386,000 | 32,087,000 |
| Total capital | 36,711,000 | 37,188,000 | 35,664,000 | 36,342,000 |
| Risk-weighted assets | 330,893,000 | 326,922,000 | 338,099,000 | 339,551,000 |