Call reports 2007
COPPER STAR BANK — 2007
What COPPER STAR 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 | 220,471,000 | 234,276,000 | 253,306,000 | 247,430,000 |
| Total loans | 186,597,000 | 198,581,000 | 206,602,000 | 207,660,000 |
| Allowance for loan losses | 2,292,000 | 2,467,000 | 2,183,000 | 2,453,000 |
| Securities available for sale | 22,116,000 | 22,546,000 | 33,524,000 | 25,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,778,000 | 197,936,000 | 196,997,000 | 203,499,000 |
| Interest-bearing deposits | 162,423,000 | 171,204,000 | 178,204,000 | 187,072,000 |
| Noninterest-bearing deposits | 24,355,000 | 26,732,000 | 18,793,000 | 16,427,000 |
| Equity capital | 21,778,000 | 22,224,000 | 22,742,000 | 22,881,000 |
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 | 4,649,000 | 9,517,000 | 14,484,000 | 19,652,000 |
| Interest expense | 2,094,000 | 4,201,000 | 6,566,000 | 9,109,000 |
| Net interest income | 2,555,000 | 5,316,000 | 7,918,000 | 10,543,000 |
| Noninterest income | 505,000 | 626,000 | 734,000 | 820,000 |
| Noninterest expense | 1,695,000 | 3,568,000 | 5,446,000 | 7,539,000 |
| Provision for loan losses | 220,000 | 386,000 | 386,000 | 686,000 |
| Pretax income | 1,145,000 | 1,988,000 | 2,820,000 | 3,138,000 |
| Income tax | 442,000 | 782,000 | 1,113,000 | 1,237,000 |
| Net income | 703,000 | 1,206,000 | 1,707,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,768,000 | 22,270,000 | 22,651,000 | 22,722,000 |
| Total capital | 24,112,000 | 24,799,000 | 24,879,000 | 25,254,000 |
| Risk-weighted assets | 197,124,000 | 214,525,000 | 224,896,000 | 222,158,000 |