Call reports 2007
SOUTH STORY BANK & TRUST — 2007
What SOUTH STORY BANK & TRUST 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 | 49,306,000 | 50,056,000 | 49,625,000 | 53,854,000 |
| Total loans | 24,706,000 | 26,478,000 | 26,626,000 | 31,147,000 |
| Allowance for loan losses | 333,000 | 321,000 | 321,000 | 324,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,702,000 | 10,445,000 | 9,114,000 | 8,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,355,000 | 41,134,000 | 40,677,000 | 44,836,000 |
| Interest-bearing deposits | 34,249,000 | 35,445,000 | 35,413,000 | 35,791,000 |
| Noninterest-bearing deposits | 6,106,000 | 5,689,000 | 5,264,000 | 9,045,000 |
| Equity capital | 8,660,000 | 8,594,000 | 8,651,000 | 8,726,000 |
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 | 425,000 | 1,066,000 | 1,736,000 | 2,414,000 |
| Interest expense | 174,000 | 462,000 | 763,000 | 1,064,000 |
| Net interest income | 251,000 | 604,000 | 973,000 | 1,350,000 |
| Noninterest income | 22,000 | 66,000 | 113,000 | 163,000 |
| Noninterest expense | 153,000 | 406,000 | 653,000 | 894,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 264,000 | 433,000 | 619,000 |
| Income tax | 6,000 | 13,000 | 22,000 | 31,000 |
| Net income | 114,000 | 251,000 | 411,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,195,000 | 4,151,000 | 4,229,000 | 4,326,000 |
| Total capital | 4,528,000 | 4,472,000 | 4,550,000 | 4,650,000 |
| Risk-weighted assets | 28,449,000 | 29,305,000 | 29,512,000 | 34,099,000 |