Call reports 2007
STATE BANK OF SLATER — 2007
What STATE BANK OF SLATER 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 | 36,194,000 | 36,126,000 | 36,167,000 | 36,629,000 |
| Total loans | 25,854,000 | 26,888,000 | 27,763,000 | 28,385,000 |
| Allowance for loan losses | 301,000 | 299,000 | 299,000 | 299,000 |
| Securities available for sale | 5,635,000 | 5,254,000 | 4,745,000 | 4,233,000 |
| Securities held to maturity | 842,000 | 997,000 | 1,048,000 | 1,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,458,000 | 31,284,000 | 31,153,000 | 31,264,000 |
| Interest-bearing deposits | 26,719,000 | 26,784,000 | 26,838,000 | 26,817,000 |
| Noninterest-bearing deposits | 4,739,000 | 4,500,000 | 4,315,000 | 4,447,000 |
| Equity capital | 3,989,000 | 4,069,000 | 4,123,000 | 4,236,000 |
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 | 586,000 | 1,185,000 | 1,804,000 | 2,444,000 |
| Interest expense | 187,000 | 393,000 | 595,000 | 798,000 |
| Net interest income | 399,000 | 792,000 | 1,209,000 | 1,646,000 |
| Noninterest income | 20,000 | 41,000 | 63,000 | 91,000 |
| Noninterest expense | 280,000 | 562,000 | 845,000 | 1,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 271,000 | 427,000 | 583,000 |
| Income tax | 48,000 | 94,000 | 148,000 | 202,000 |
| Net income | 91,000 | 177,000 | 279,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,003,000 | 4,090,000 | 4,119,000 | 4,221,000 |
| Total capital | 4,304,000 | 4,389,000 | 4,418,000 | 4,520,000 |
| Risk-weighted assets | 27,702,000 | 28,062,000 | 28,500,000 | 29,256,000 |