Call reports 2007
SANBORN SAVINGS BANK — 2007
What SANBORN SAVINGS 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 | 47,732,000 | 49,155,000 | 48,380,000 | 51,668,000 |
| Total loans | 38,991,000 | 37,461,000 | 33,986,000 | 36,657,000 |
| Allowance for loan losses | 404,000 | 382,000 | 382,000 | 381,000 |
| Securities available for sale | 6,565,000 | 6,512,000 | 8,527,000 | 8,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,360,000 | 40,911,000 | 40,063,000 | 43,028,000 |
| Interest-bearing deposits | 35,926,000 | 38,516,000 | 37,732,000 | 40,147,000 |
| Noninterest-bearing deposits | 2,434,000 | 2,395,000 | 2,331,000 | 2,881,000 |
| Equity capital | 4,202,000 | 4,292,000 | 4,335,000 | 4,494,000 |
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 | 780,000 | 1,570,000 | 2,358,000 | 3,162,000 |
| Interest expense | 405,000 | 832,000 | 1,269,000 | 1,707,000 |
| Net interest income | 375,000 | 738,000 | 1,089,000 | 1,455,000 |
| Noninterest income | 24,000 | 53,000 | 85,000 | 109,000 |
| Noninterest expense | 274,000 | 557,000 | 828,000 | 1,091,000 |
| Provision for loan losses | 0 | 11,000 | 10,000 | 10,000 |
| Pretax income | 125,000 | 223,000 | 336,000 | 463,000 |
| Income tax | 5,000 | 12,000 | 19,000 | 21,000 |
| Net income | 120,000 | 211,000 | 317,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,944,000 | 4,036,000 | 4,042,000 | 4,169,000 |
| Total capital | 4,348,000 | 4,418,000 | 4,424,000 | 4,550,000 |
| Risk-weighted assets | 39,803,000 | 38,980,000 | 36,267,000 | 39,213,000 |