Call reports 2007
STATE BANK OF DELPHOS — 2007
What STATE BANK OF DELPHOS 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 | 32,968,000 | 33,190,000 | 33,315,000 | 33,512,000 |
| Total loans | 23,992,000 | 25,001,000 | 25,802,000 | 25,996,000 |
| Allowance for loan losses | 446,000 | 443,000 | 433,000 | 432,000 |
| Securities available for sale | 3,788,000 | 4,166,000 | 3,216,000 | 3,236,000 |
| Securities held to maturity | 1,710,000 | 1,595,000 | 1,574,000 | 1,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,856,000 | 26,950,000 | 27,637,000 | 27,176,000 |
| Interest-bearing deposits | 24,741,000 | 24,110,000 | 24,691,000 | 24,216,000 |
| Noninterest-bearing deposits | 3,115,000 | 2,840,000 | 2,945,000 | 2,961,000 |
| Equity capital | 2,784,000 | 2,760,000 | 2,858,000 | 3,052,000 |
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 | 564,000 | 1,122,000 | 1,695,000 | 2,277,000 |
| Interest expense | 242,000 | 473,000 | 717,000 | 955,000 |
| Net interest income | 322,000 | 649,000 | 978,000 | 1,322,000 |
| Noninterest income | 33,000 | 53,000 | 153,000 | 273,000 |
| Noninterest expense | 288,000 | 560,000 | 838,000 | 1,118,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 67,000 | 117,000 | 268,000 | 452,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 16,000 |
| Net income | 64,000 | 112,000 | 260,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,814,000 | 2,806,000 | 2,859,000 | 3,034,000 |
| Total capital | 3,121,000 | 3,123,000 | 3,176,000 | 3,356,000 |
| Risk-weighted assets | 24,453,000 | 25,222,000 | 25,268,000 | 25,688,000 |