Call reports 2007
STATE BANK OF TOWER — 2007
What STATE BANK OF TOWER 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 | 55,009,000 | 53,975,000 | 58,509,000 | 57,833,000 |
| Total loans | 43,224,000 | 43,871,000 | 43,783,000 | 44,551,000 |
| Allowance for loan losses | 414,000 | 398,000 | 408,000 | 323,000 |
| Securities available for sale | 1,492,000 | 2,977,000 | 4,983,000 | 4,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,739,000 | 49,699,000 | 54,169,000 | 53,318,000 |
| Interest-bearing deposits | 39,663,000 | 40,001,000 | 44,187,000 | 44,154,000 |
| Noninterest-bearing deposits | 11,076,000 | 9,698,000 | 9,983,000 | 9,164,000 |
| Equity capital | 4,042,000 | 4,052,000 | 4,106,000 | 4,287,000 |
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 | 851,000 | 1,752,000 | 2,685,000 | 3,639,000 |
| Interest expense | 302,000 | 622,000 | 961,000 | 1,332,000 |
| Net interest income | 549,000 | 1,130,000 | 1,724,000 | 2,307,000 |
| Noninterest income | 140,000 | 269,000 | 405,000 | 501,000 |
| Noninterest expense | 493,000 | 1,004,000 | 1,517,000 | 2,012,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 190,000 | 383,000 | 594,000 | 772,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 190,000 | 383,000 | 594,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,042,000 | 4,054,000 | 4,106,000 | 4,284,000 |
| Total capital | 4,456,000 | 4,452,000 | 4,514,000 | 4,607,000 |
| Risk-weighted assets | 42,360,000 | 42,006,000 | 43,021,000 | 43,921,000 |