Call reports 2007
DECATUR STATE BANK — 2007
What DECATUR 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 | 197,711,000 | 192,279,000 | 196,131,000 | 192,312,000 |
| Total loans | 132,598,000 | 137,911,000 | 137,788,000 | 142,394,000 |
| Allowance for loan losses | 1,218,000 | 1,074,000 | 1,213,000 | 1,833,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,281,000 | 43,158,000 | 37,996,000 | 36,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,228,000 | 140,789,000 | 144,619,000 | 144,703,000 |
| Interest-bearing deposits | 129,110,000 | 128,950,000 | 129,162,000 | 133,448,000 |
| Noninterest-bearing deposits | 11,118,000 | 11,839,000 | 15,457,000 | 11,255,000 |
| Equity capital | 21,415,000 | 21,823,000 | 21,524,000 | 21,803,000 |
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 | 3,539,000 | 7,164,000 | 10,879,000 | 14,663,000 |
| Interest expense | 1,727,000 | 3,462,000 | 5,287,000 | 7,076,000 |
| Net interest income | 1,812,000 | 3,702,000 | 5,592,000 | 7,587,000 |
| Noninterest income | 415,000 | 888,000 | 1,387,000 | 1,881,000 |
| Noninterest expense | 1,153,000 | 2,243,000 | 3,437,000 | 4,731,000 |
| Provision for loan losses | 150,000 | 370,000 | 720,000 | 1,635,000 |
| Pretax income | 924,000 | 1,977,000 | 2,822,000 | 3,102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 924,000 | 1,977,000 | 2,822,000 | 3,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,415,000 | 21,823,000 | 21,524,000 | 21,803,000 |
| Total capital | 22,633,000 | 22,897,000 | 22,737,000 | 23,615,000 |
| Risk-weighted assets | 139,727,000 | 139,741,000 | 141,188,000 | 144,154,000 |