Call reports 2007
COLCHESTER STATE BANK — 2007
What COLCHESTER 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 | 39,960,000 | 38,569,000 | 39,981,000 | 42,412,000 |
| Total loans | 21,082,000 | 22,806,000 | 22,617,000 | 22,086,000 |
| Allowance for loan losses | 550,000 | 552,000 | 552,000 | 559,000 |
| Securities available for sale | 0 | 0 | 0 | 5,012,000 |
| Securities held to maturity | 8,576,000 | 8,588,000 | 8,492,000 | 6,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,915,000 | 34,385,000 | 35,663,000 | 38,079,000 |
| Interest-bearing deposits | 29,062,000 | 29,386,000 | 31,708,000 | 31,770,000 |
| Noninterest-bearing deposits | 6,853,000 | 4,999,000 | 3,955,000 | 6,309,000 |
| Equity capital | 3,744,000 | 3,870,000 | 4,023,000 | 3,988,000 |
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 | 515,000 | 1,081,000 | 1,689,000 | 2,298,000 |
| Interest expense | 251,000 | 518,000 | 802,000 | 1,097,000 |
| Net interest income | 264,000 | 563,000 | 887,000 | 1,201,000 |
| Noninterest income | 65,000 | 147,000 | 226,000 | 283,000 |
| Noninterest expense | 168,000 | 355,000 | 545,000 | 799,000 |
| Provision for loan losses | 12,000 | 34,000 | 49,000 | 179,000 |
| Pretax income | 149,000 | 321,000 | 519,000 | 506,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 186,000 |
| Net income | 104,000 | 231,000 | 384,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,744,000 | 3,870,000 | 4,023,000 | 3,959,000 |
| Total capital | 4,008,000 | 4,155,000 | 4,306,000 | 4,235,000 |
| Risk-weighted assets | 21,288,000 | 21,986,000 | 22,138,000 | 22,068,000 |