Call reports 2007
PIQUA STATE BANK — 2007
What PIQUA STATE BANK 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 | 21,826,000 | 22,461,000 | 23,012,000 | 23,133,000 |
| Total loans | 9,979,000 | 10,941,000 | 10,396,000 | 10,426,000 |
| Allowance for loan losses | 163,000 | 177,000 | 209,000 | 255,000 |
| Securities available for sale | 5,782,000 | 5,869,000 | 6,473,000 | 7,166,000 |
| Securities held to maturity | 3,187,000 | 3,254,000 | 3,111,000 | 3,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,263,000 | 19,900,000 | 20,292,000 | 20,380,000 |
| Interest-bearing deposits | 13,603,000 | 13,633,000 | 14,125,000 | 14,315,000 |
| Noninterest-bearing deposits | 5,660,000 | 6,267,000 | 6,167,000 | 6,065,000 |
| Equity capital | 2,405,000 | 2,410,000 | 2,512,000 | 2,532,000 |
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 | 321,000 | 621,000 | 974,000 | 1,338,000 |
| Interest expense | 97,000 | 204,000 | 318,000 | 433,000 |
| Net interest income | 224,000 | 417,000 | 656,000 | 905,000 |
| Noninterest income | 24,000 | 57,000 | 92,000 | 131,000 |
| Noninterest expense | 185,000 | 388,000 | 576,000 | 810,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 100,000 |
| Pretax income | 33,000 | 56,000 | 112,000 | 126,000 |
| Income tax | 11,000 | 1,000 | 5,000 | -5,000 |
| Net income | 22,000 | 55,000 | 107,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,429,000 | 2,462,000 | 2,514,000 | 2,488,000 |
| Total capital | 2,576,000 | 2,618,000 | 2,668,000 | 2,643,000 |
| Risk-weighted assets | 11,750,000 | 12,493,000 | 12,278,000 | 12,331,000 |