Call reports 2007
MANSON STATE BANK — 2007
What MANSON 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 | 34,254,000 | 33,582,000 | 33,715,000 | 35,556,000 |
| Total loans | 15,898,000 | 16,214,000 | 17,332,000 | 16,508,000 |
| Allowance for loan losses | 135,000 | 135,000 | 142,000 | 154,000 |
| Securities available for sale | 14,821,000 | 14,196,000 | 13,649,000 | 12,669,000 |
| Securities held to maturity | 35,000 | 33,000 | 30,000 | 28,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,001,000 | 29,544,000 | 29,382,000 | 31,403,000 |
| Interest-bearing deposits | 26,882,000 | 26,773,000 | 26,412,000 | 26,728,000 |
| Noninterest-bearing deposits | 3,119,000 | 2,771,000 | 2,970,000 | 4,675,000 |
| Equity capital | 4,051,000 | 3,832,000 | 4,109,000 | 3,963,000 |
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 | 473,000 | 954,000 | 1,443,000 | 1,943,000 |
| Interest expense | 211,000 | 428,000 | 650,000 | 859,000 |
| Net interest income | 262,000 | 526,000 | 793,000 | 1,084,000 |
| Noninterest income | 33,000 | 59,000 | 85,000 | 114,000 |
| Noninterest expense | 174,000 | 364,000 | 537,000 | 730,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 24,000 |
| Pretax income | 121,000 | 221,000 | 329,000 | 436,000 |
| Income tax | 8,000 | 13,000 | 19,000 | 24,000 |
| Net income | 113,000 | 208,000 | 310,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,192,000 | 3,078,000 | 3,163,000 | 2,926,000 |
| Total capital | 3,327,000 | 3,213,000 | 3,305,000 | 3,080,000 |
| Risk-weighted assets | 20,557,000 | 20,302,000 | 20,955,000 | 20,353,000 |