Call reports 2007
STATE BANK OF CARBONDALE — 2007
What STATE BANK OF CARBONDALE 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 | 15,704,000 | 15,827,000 | 15,382,000 | 15,473,000 |
| Total loans | 9,635,000 | 9,705,000 | 9,535,000 | 9,648,000 |
| Allowance for loan losses | 125,000 | 123,000 | 123,000 | 126,000 |
| Securities available for sale | 3,593,000 | 3,575,000 | 3,591,000 | 3,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,085,000 | 14,192,000 | 13,692,000 | 13,743,000 |
| Interest-bearing deposits | 11,409,000 | 11,457,000 | 11,193,000 | 11,081,000 |
| Noninterest-bearing deposits | 2,676,000 | 2,735,000 | 2,499,000 | 2,662,000 |
| Equity capital | 1,388,000 | 1,409,000 | 1,448,000 | 1,472,000 |
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 | 246,000 | 501,000 | 765,000 | 1,025,000 |
| Interest expense | 81,000 | 168,000 | 263,000 | 352,000 |
| Net interest income | 165,000 | 333,000 | 502,000 | 673,000 |
| Noninterest income | 31,000 | 61,000 | 91,000 | 124,000 |
| Noninterest expense | 173,000 | 346,000 | 517,000 | 704,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 23,000 | 48,000 | 76,000 | 93,000 |
| Income tax | 10,000 | 10,000 | 14,000 | 16,000 |
| Net income | 13,000 | 38,000 | 62,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,393,000 | 1,419,000 | 1,442,000 | 1,458,000 |
| Total capital | 1,510,000 | 1,537,000 | 1,557,000 | 1,573,000 |
| Risk-weighted assets | 9,343,000 | 9,449,000 | 9,176,000 | 9,252,000 |