Call reports 2007
STATE BANK OF PEARL CITY, THE — 2007
What STATE BANK OF PEARL CITY, THE 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 | 35,688,000 | 36,136,000 | 37,222,000 | 39,101,000 |
| Total loans | 16,786,000 | 16,521,000 | 16,664,000 | 17,346,000 |
| Allowance for loan losses | 271,000 | 267,000 | 258,000 | 264,000 |
| Securities available for sale | 14,421,000 | 14,733,000 | 14,907,000 | 17,382,000 |
| Securities held to maturity | 43,000 | 43,000 | 22,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,243,000 | 31,927,000 | 32,783,000 | 34,557,000 |
| Interest-bearing deposits | 27,527,000 | 28,524,000 | 29,034,000 | 30,262,000 |
| Noninterest-bearing deposits | 3,716,000 | 3,403,000 | 3,749,000 | 4,295,000 |
| Equity capital | 4,226,000 | 3,995,000 | 4,194,000 | 4,325,000 |
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 | 521,000 | 1,059,000 | 1,622,000 | 2,198,000 |
| Interest expense | 270,000 | 547,000 | 843,000 | 1,154,000 |
| Net interest income | 251,000 | 512,000 | 779,000 | 1,044,000 |
| Noninterest income | 7,000 | 17,000 | 26,000 | 35,000 |
| Noninterest expense | 218,000 | 446,000 | 672,000 | 900,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 40,000 | 83,000 | 133,000 | 172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 83,000 | 133,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,459,000 | 4,464,000 | 4,490,000 | 4,529,000 |
| Total capital | 4,692,000 | 4,698,000 | 4,728,000 | 4,785,000 |
| Risk-weighted assets | 18,595,000 | 18,723,000 | 19,044,000 | 20,499,000 |