Call reports 2007
BANK OF ST. FRANCISVILLE — 2007
What BANK OF ST. FRANCISVILLE 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 | 71,815,000 | 73,207,000 | 75,375,000 | 84,674,000 |
| Total loans | 54,996,000 | 58,129,000 | 61,009,000 | 64,635,000 |
| Allowance for loan losses | 848,000 | 833,000 | 842,000 | 793,000 |
| Securities available for sale | 10,363,000 | 8,938,000 | 8,842,000 | 10,713,000 |
| Securities held to maturity | 612,000 | 611,000 | 611,000 | 611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,795,000 | 58,718,000 | 56,500,000 | 65,143,000 |
| Interest-bearing deposits | 39,509,000 | 40,626,000 | 39,654,000 | 47,594,000 |
| Noninterest-bearing deposits | 18,286,000 | 18,092,000 | 16,846,000 | 17,549,000 |
| Equity capital | 5,672,000 | 5,974,000 | 6,559,000 | 7,075,000 |
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 | 1,272,000 | 2,580,000 | 3,969,000 | 5,452,000 |
| Interest expense | 354,000 | 761,000 | 1,200,000 | 1,703,000 |
| Net interest income | 918,000 | 1,819,000 | 2,769,000 | 3,749,000 |
| Noninterest income | 306,000 | 634,000 | 945,000 | 1,248,000 |
| Noninterest expense | 720,000 | 1,469,000 | 2,229,000 | 3,056,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 459,000 | 894,000 | 1,350,000 | 1,761,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 459,000 | 894,000 | 1,350,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,849,000 | 6,284,000 | 6,740,000 | 7,151,000 |
| Total capital | 6,448,000 | 6,900,000 | 7,397,000 | 7,857,000 |
| Risk-weighted assets | 47,677,000 | 49,077,000 | 52,372,000 | 56,374,000 |