Call reports 2007
STATE BANK — 2007
What 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 | 51,903,000 | 51,450,000 | 52,900,000 | 53,168,000 |
| Total loans | 44,083,000 | 43,124,000 | 41,366,000 | 41,640,000 |
| Allowance for loan losses | 327,000 | 343,000 | 323,000 | 322,000 |
| Securities available for sale | 3,658,000 | 3,618,000 | 3,934,000 | 4,110,000 |
| Securities held to maturity | 15,000 | 13,000 | 12,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,473,000 | 43,589,000 | 44,908,000 | 45,354,000 |
| Interest-bearing deposits | 36,973,000 | 37,701,000 | 38,035,000 | 38,626,000 |
| Noninterest-bearing deposits | 7,500,000 | 5,888,000 | 6,873,000 | 6,728,000 |
| Equity capital | 4,483,000 | 4,313,000 | 4,248,000 | 4,190,000 |
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 | 829,000 | 1,693,000 | 2,585,000 | 3,440,000 |
| Interest expense | 395,000 | 822,000 | 1,262,000 | 1,690,000 |
| Net interest income | 434,000 | 871,000 | 1,323,000 | 1,750,000 |
| Noninterest income | 148,000 | 281,000 | 435,000 | 583,000 |
| Noninterest expense | 417,000 | 839,000 | 1,332,000 | 1,824,000 |
| Provision for loan losses | 25,000 | 175,000 | 200,000 | 245,000 |
| Pretax income | 140,000 | 138,000 | 226,000 | 264,000 |
| Income tax | 7,000 | 7,000 | 11,000 | 13,000 |
| Net income | 133,000 | 131,000 | 215,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,494,000 | 4,334,000 | 4,248,000 | 4,187,000 |
| Total capital | 4,821,000 | 4,677,000 | 4,571,000 | 4,509,000 |
| Risk-weighted assets | 41,929,000 | 41,401,000 | 40,683,000 | 40,865,000 |