Call reports 2007
DURAND STATE BANK — 2007
What DURAND 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 | 79,690,000 | 82,564,000 | 84,795,000 | 85,203,000 |
| Total loans | 49,586,000 | 52,473,000 | 55,486,000 | 54,771,000 |
| Allowance for loan losses | 501,000 | 544,000 | 503,000 | 491,000 |
| Securities available for sale | 25,313,000 | 23,250,000 | 23,094,000 | 23,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,577,000 | 71,795,000 | 73,124,000 | 74,221,000 |
| Interest-bearing deposits | 64,268,000 | 66,465,000 | 67,504,000 | 68,387,000 |
| Noninterest-bearing deposits | 6,309,000 | 5,330,000 | 5,620,000 | 5,834,000 |
| Equity capital | 6,623,000 | 6,605,000 | 6,959,000 | 7,116,000 |
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 | 1,176,000 | 2,411,000 | 3,734,000 | 5,078,000 |
| Interest expense | 568,000 | 1,158,000 | 1,807,000 | 2,475,000 |
| Net interest income | 608,000 | 1,253,000 | 1,927,000 | 2,603,000 |
| Noninterest income | 98,000 | 217,000 | 322,000 | 463,000 |
| Noninterest expense | 569,000 | 1,133,000 | 1,695,000 | 2,223,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 190,000 |
| Pretax income | 92,000 | 247,000 | 419,000 | 653,000 |
| Income tax | 20,000 | 42,000 | 60,000 | 147,000 |
| Net income | 72,000 | 205,000 | 359,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,732,000 | 6,866,000 | 7,021,000 | 7,062,000 |
| Total capital | 7,233,000 | 7,410,000 | 7,524,000 | 7,553,000 |
| Risk-weighted assets | 55,750,000 | 58,152,000 | 60,206,000 | 59,462,000 |
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