Call reports 2007
STATE BANK OF ARTHUR — 2007
What STATE BANK OF ARTHUR 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 | 84,364,000 | 80,558,000 | 82,646,000 | 82,597,000 |
| Total loans | 45,646,000 | 45,576,000 | 45,405,000 | 45,705,000 |
| Allowance for loan losses | 864,000 | 806,000 | 817,000 | 845,000 |
| Securities available for sale | 29,594,000 | 29,976,000 | 30,194,000 | 28,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,588,000 | 68,798,000 | 70,526,000 | 70,248,000 |
| Interest-bearing deposits | 58,202,000 | 54,048,000 | 54,940,000 | 54,722,000 |
| Noninterest-bearing deposits | 14,386,000 | 14,750,000 | 15,586,000 | 15,526,000 |
| Equity capital | 11,523,000 | 11,517,000 | 11,825,000 | 12,108,000 |
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 | 1,240,000 | 2,475,000 | 3,717,000 | 4,966,000 |
| Interest expense | 366,000 | 744,000 | 1,141,000 | 1,541,000 |
| Net interest income | 874,000 | 1,731,000 | 2,576,000 | 3,425,000 |
| Noninterest income | 135,000 | 239,000 | 323,000 | 416,000 |
| Noninterest expense | 616,000 | 1,216,000 | 1,948,000 | 2,557,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 363,000 | 694,000 | 846,000 | 1,134,000 |
| Income tax | 113,000 | 205,000 | 236,000 | 284,000 |
| Net income | 250,000 | 489,000 | 610,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,695,000 | 11,874,000 | 11,935,000 | 12,043,000 |
| Total capital | 12,368,000 | 12,557,000 | 12,617,000 | 12,728,000 |
| Risk-weighted assets | 53,634,000 | 54,516,000 | 54,416,000 | 54,637,000 |