Call reports 2007
FREEDOM BANK OF SOUTHERN MISSOURI — 2007
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 78,192,000 | 76,695,000 | 76,211,000 | 78,135,000 |
| Total loans | 64,100,000 | 63,657,000 | 64,996,000 | 67,612,000 |
| Allowance for loan losses | 742,000 | 746,000 | 746,000 | 738,000 |
| Securities available for sale | 4,690,000 | 4,538,000 | 4,472,000 | 4,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,784,000 | 69,169,000 | 68,497,000 | 68,356,000 |
| Interest-bearing deposits | 64,077,000 | 63,678,000 | 61,604,000 | 62,301,000 |
| Noninterest-bearing deposits | 6,707,000 | 5,491,000 | 6,893,000 | 6,055,000 |
| Equity capital | 6,015,000 | 6,100,000 | 6,318,000 | 6,367,000 |
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 | 1,368,000 | 2,809,000 | 4,239,000 | 5,681,000 |
| Interest expense | 678,000 | 1,397,000 | 2,107,000 | 2,828,000 |
| Net interest income | 690,000 | 1,412,000 | 2,132,000 | 2,853,000 |
| Noninterest income | 143,000 | 279,000 | 405,000 | 552,000 |
| Noninterest expense | 554,000 | 1,140,000 | 1,704,000 | 2,274,000 |
| Provision for loan losses | 24,000 | 60,000 | 77,000 | 122,000 |
| Pretax income | 255,000 | 491,000 | 756,000 | 1,009,000 |
| Income tax | 89,000 | 170,000 | 263,000 | 340,000 |
| Net income | 166,000 | 321,000 | 493,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,043,000 | 6,158,000 | 6,330,000 | 6,356,000 |
| Total capital | 6,759,000 | 6,884,000 | 7,057,000 | 7,094,000 |
| Risk-weighted assets | 57,261,000 | 58,054,000 | 59,043,000 | 63,465,000 |