Call reports 2007
PECOS COUNTY STATE BANK, THE — 2007
What PECOS COUNTY 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 | 101,433,000 | 99,861,000 | 99,188,000 | 103,942,000 |
| Total loans | 46,094,000 | 44,758,000 | 38,766,000 | 43,153,000 |
| Allowance for loan losses | 570,000 | 610,000 | 600,000 | 584,000 |
| Securities available for sale | 43,769,000 | 44,246,000 | 50,711,000 | 51,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,151,000 | 89,040,000 | 90,598,000 | 92,959,000 |
| Interest-bearing deposits | 69,520,000 | 68,619,000 | 67,479,000 | 70,127,000 |
| Noninterest-bearing deposits | 23,630,000 | 20,421,000 | 23,119,000 | 22,832,000 |
| Equity capital | 7,852,000 | 7,270,000 | 8,245,000 | 8,455,000 |
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 | 1,638,000 | 3,294,000 | 4,932,000 | 6,636,000 |
| Interest expense | 631,000 | 1,236,000 | 1,815,000 | 2,328,000 |
| Net interest income | 1,007,000 | 2,058,000 | 3,117,000 | 4,308,000 |
| Noninterest income | 246,000 | 508,000 | 762,000 | 1,051,000 |
| Noninterest expense | 770,000 | 1,621,000 | 2,443,000 | 3,312,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 150,000 |
| Pretax income | 423,000 | 825,000 | 1,309,000 | 1,971,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 423,000 | 825,000 | 1,309,000 | 1,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,658,000 | 8,733,000 | 8,871,000 | 9,073,000 |
| Total capital | 9,228,000 | 9,343,000 | 9,451,000 | 9,657,000 |
| Risk-weighted assets | 47,715,000 | 52,359,000 | 47,079,000 | 51,811,000 |