Call reports 2007
STATE SAVINGS BANK OF MANISTIQUE, THE — 2007
What STATE SAVINGS BANK OF MANISTIQUE, THE 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 | 107,420,000 | 107,502,000 | 109,317,000 | 106,811,000 |
| Total loans | 63,710,000 | 68,150,000 | 69,259,000 | 69,806,000 |
| Allowance for loan losses | 879,000 | 887,000 | 890,000 | 850,000 |
| Securities available for sale | 33,858,000 | 32,472,000 | 34,393,000 | 31,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,630,000 | 88,762,000 | 91,161,000 | 83,404,000 |
| Interest-bearing deposits | 81,907,000 | 79,965,000 | 83,383,000 | 76,453,000 |
| Noninterest-bearing deposits | 7,723,000 | 8,797,000 | 7,778,000 | 6,951,000 |
| Equity capital | 10,941,000 | 11,015,000 | 11,234,000 | 11,451,000 |
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 | 1,617,000 | 3,335,000 | 5,031,000 | 6,753,000 |
| Interest expense | 728,000 | 1,506,000 | 2,292,000 | 3,048,000 |
| Net interest income | 889,000 | 1,829,000 | 2,739,000 | 3,705,000 |
| Noninterest income | 78,000 | 202,000 | 289,000 | 378,000 |
| Noninterest expense | 631,000 | 1,269,000 | 1,927,000 | 2,585,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 85,000 |
| Pretax income | 321,000 | 732,000 | 1,056,000 | 1,411,000 |
| Income tax | 72,000 | 139,000 | 226,000 | 334,000 |
| Net income | 249,000 | 593,000 | 830,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,645,000 | 10,841,000 | 10,891,000 | 10,990,000 |
| Total capital | 11,524,000 | 11,728,000 | 11,781,000 | 11,840,000 |
| Risk-weighted assets | 72,238,000 | 76,515,000 | 76,514,000 | 75,192,000 |
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