Call reports 2007
STANDARD BANK — 2007
What STANDARD 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 | 331,079,000 | 333,650,000 | 342,336,000 | 338,259,000 |
| Total loans | 222,687,000 | 233,327,000 | 245,943,000 | 252,012,000 |
| Allowance for loan losses | 2,409,000 | 2,409,000 | 2,379,000 | 2,353,000 |
| Securities available for sale | 35,863,000 | 33,233,000 | 25,654,000 | 24,169,000 |
| Securities held to maturity | 31,112,000 | 29,371,000 | 27,710,000 | 26,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,325,000 | 260,335,000 | 264,316,000 | 255,333,000 |
| Interest-bearing deposits | 243,194,000 | 239,303,000 | 237,889,000 | 234,271,000 |
| Noninterest-bearing deposits | 19,131,000 | 21,032,000 | 26,427,000 | 21,062,000 |
| Equity capital | 37,955,000 | 38,121,000 | 38,730,000 | 38,645,000 |
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 | 4,493,000 | 9,147,000 | 13,909,000 | 18,678,000 |
| Interest expense | 2,433,000 | 4,980,000 | 7,625,000 | 10,147,000 |
| Net interest income | 2,060,000 | 4,167,000 | 6,284,000 | 8,531,000 |
| Noninterest income | 520,000 | 1,121,000 | 1,809,000 | 2,398,000 |
| Noninterest expense | 1,988,000 | 4,046,000 | 6,085,000 | 8,201,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 586,000 | 1,242,000 | 2,038,000 | 2,752,000 |
| Income tax | 135,000 | 291,000 | 481,000 | 658,000 |
| Net income | 451,000 | 951,000 | 1,557,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,760,000 | 26,320,000 | 27,024,000 | 27,608,000 |
| Total capital | 29,036,000 | 29,616,000 | 30,232,000 | 30,327,000 |
| Risk-weighted assets | 196,379,000 | 203,745,000 | 211,142,000 | 212,154,000 |