Call reports 2007
DEFIANCE STATE BANK — 2007
What DEFIANCE 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 | 21,139,000 | 20,665,000 | 20,597,000 | 20,945,000 |
| Total loans | 18,150,000 | 17,443,000 | 16,687,000 | 15,911,000 |
| Allowance for loan losses | 216,000 | 216,000 | 216,000 | 216,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,000 | 8,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,986,000 | 15,679,000 | 15,523,000 | 16,473,000 |
| Interest-bearing deposits | 15,213,000 | 14,847,000 | 14,176,000 | 15,087,000 |
| Noninterest-bearing deposits | 773,000 | 832,000 | 1,347,000 | 1,386,000 |
| Equity capital | 2,073,000 | 2,039,000 | 2,108,000 | 2,085,000 |
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 | 379,000 | 750,000 | 1,110,000 | 1,485,000 |
| Interest expense | 146,000 | 295,000 | 439,000 | 582,000 |
| Net interest income | 233,000 | 455,000 | 671,000 | 903,000 |
| Noninterest income | 26,000 | 54,000 | 80,000 | 105,000 |
| Noninterest expense | 170,000 | 348,000 | 519,000 | 797,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 59,000 | 131,000 | 202,000 | 181,000 |
| Income tax | 0 | 6,000 | 8,000 | 10,000 |
| Net income | 59,000 | 125,000 | 194,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,073,000 | 2,039,000 | 2,108,000 | 2,085,000 |
| Total capital | 2,289,000 | 2,255,000 | 2,316,000 | 2,286,000 |
| Risk-weighted assets | 17,841,000 | 17,257,000 | 16,640,000 | 16,045,000 |