Call reports 2007
SUNDOWN STATE BANK — 2007
What SUNDOWN 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 | 86,051,000 | 83,637,000 | 87,062,000 | 92,490,000 |
| Total loans | 40,978,000 | 48,598,000 | 59,772,000 | 56,995,000 |
| Allowance for loan losses | 238,000 | 238,000 | 238,000 | 320,000 |
| Securities available for sale | 14,999,000 | 6,091,000 | 119,000 | 121,000 |
| Securities held to maturity | 18,180,000 | 23,052,000 | 20,521,000 | 20,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,986,000 | 77,263,000 | 76,761,000 | 85,099,000 |
| Interest-bearing deposits | 55,051,000 | 54,347,000 | 53,755,000 | 57,233,000 |
| Noninterest-bearing deposits | 24,935,000 | 22,916,000 | 23,006,000 | 27,866,000 |
| Equity capital | 5,900,000 | 6,155,000 | 6,475,000 | 7,156,000 |
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 | 1,394,000 | 2,807,000 | 4,402,000 | 6,035,000 |
| Interest expense | 486,000 | 986,000 | 1,525,000 | 2,049,000 |
| Net interest income | 908,000 | 1,821,000 | 2,877,000 | 3,986,000 |
| Noninterest income | 172,000 | 355,000 | 546,000 | 751,000 |
| Noninterest expense | 711,000 | 1,457,000 | 2,308,000 | 3,288,000 |
| Provision for loan losses | -1,000 | -1,000 | 9,000 | 9,000 |
| Pretax income | 370,000 | 720,000 | 1,105,000 | 1,439,000 |
| Income tax | 61,000 | 141,000 | 221,000 | 262,000 |
| Net income | 309,000 | 579,000 | 884,000 | 1,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,900,000 | 6,169,000 | 6,475,000 | 7,155,000 |
| Total capital | 6,138,000 | 6,407,000 | 6,713,000 | 7,475,000 |
| Risk-weighted assets | 53,783,000 | 55,859,000 | 64,849,000 | 68,854,000 |