Call reports 2007
FORD COUNTY STATE BANK — 2007
What FORD COUNTY 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 | 22,903,000 | 22,946,000 | 23,032,000 | 23,673,000 |
| Total loans | 14,350,000 | 14,169,000 | 13,619,000 | 14,074,000 |
| Allowance for loan losses | 279,000 | 280,000 | 270,000 | 304,000 |
| Securities available for sale | 6,512,000 | 6,753,000 | 6,592,000 | 7,134,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,543,000 | 19,577,000 | 19,458,000 | 19,954,000 |
| Interest-bearing deposits | 17,396,000 | 17,169,000 | 17,163,000 | 17,472,000 |
| Noninterest-bearing deposits | 2,147,000 | 2,408,000 | 2,295,000 | 2,482,000 |
| Equity capital | 3,115,000 | 3,139,000 | 3,310,000 | 3,430,000 |
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 | 359,000 | 716,000 | 1,163,000 | 1,620,000 |
| Interest expense | 141,000 | 283,000 | 433,000 | 580,000 |
| Net interest income | 218,000 | 433,000 | 730,000 | 1,040,000 |
| Noninterest income | 19,000 | 33,000 | 47,000 | 62,000 |
| Noninterest expense | 205,000 | 339,000 | 495,000 | 647,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 32,000 | 127,000 | 282,000 | 425,000 |
| Income tax | 8,000 | 37,000 | 92,000 | 139,000 |
| Net income | 24,000 | 90,000 | 190,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,149,000 | 3,216,000 | 3,316,000 | 3,383,000 |
| Total capital | 3,360,000 | 3,426,000 | 3,522,000 | 3,592,000 |
| Risk-weighted assets | 16,783,000 | 16,699,000 | 16,445,000 | 16,658,000 |