Call reports 2007
STILLMAN BANCCORP, N.A. — 2007
What STILLMAN BANCCORP, N.A. 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 | 298,122,000 | 291,944,000 | 309,380,000 | 319,037,000 |
| Total loans | 161,941,000 | 168,481,000 | 172,669,000 | 167,399,000 |
| Allowance for loan losses | 2,407,000 | 2,450,000 | 2,507,000 | 1,968,000 |
| Securities available for sale | 86,856,000 | 89,162,000 | 93,837,000 | 104,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,119,000 | 248,204,000 | 259,731,000 | 268,869,000 |
| Interest-bearing deposits | 224,971,000 | 218,898,000 | 231,163,000 | 237,793,000 |
| Noninterest-bearing deposits | 31,148,000 | 29,306,000 | 28,568,000 | 31,076,000 |
| Equity capital | 34,106,000 | 32,734,000 | 34,148,000 | 34,113,000 |
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 | 4,427,000 | 8,970,000 | 13,668,000 | 18,301,000 |
| Interest expense | 2,035,000 | 4,133,000 | 6,368,000 | 8,646,000 |
| Net interest income | 2,392,000 | 4,837,000 | 7,300,000 | 9,655,000 |
| Noninterest income | 692,000 | 1,676,000 | 2,470,000 | 3,336,000 |
| Noninterest expense | 2,516,000 | 5,045,000 | 7,510,000 | 9,934,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 509,000 | 1,349,000 | 2,081,000 | 2,830,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 13,000 |
| Net income | 494,000 | 1,319,000 | 2,036,000 | 2,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,859,000 | 33,281,000 | 33,796,000 | 33,286,000 |
| Total capital | 36,266,000 | 35,731,000 | 36,303,000 | 35,254,000 |
| Risk-weighted assets | 194,350,000 | 197,778,000 | 204,800,000 | 201,438,000 |