Call reports 2007
VIKING STATE BANK & TRUST — 2007
What VIKING STATE BANK & TRUST 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 | 89,535,000 | 88,725,000 | 88,846,000 | 91,853,000 |
| Total loans | 78,229,000 | 77,722,000 | 79,834,000 | 80,982,000 |
| Allowance for loan losses | 810,000 | 890,000 | 827,000 | 830,000 |
| Securities available for sale | 3,962,000 | 4,209,000 | 4,280,000 | 4,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,527,000 | 70,442,000 | 74,184,000 | 75,584,000 |
| Interest-bearing deposits | 68,645,000 | 62,002,000 | 66,584,000 | 65,759,000 |
| Noninterest-bearing deposits | 6,882,000 | 8,440,000 | 7,600,000 | 9,825,000 |
| Equity capital | 7,531,000 | 7,464,000 | 7,654,000 | 7,872,000 |
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 | 1,476,000 | 3,024,000 | 4,562,000 | 6,133,000 |
| Interest expense | 743,000 | 1,512,000 | 2,299,000 | 3,092,000 |
| Net interest income | 733,000 | 1,512,000 | 2,263,000 | 3,041,000 |
| Noninterest income | 83,000 | 163,000 | 254,000 | 347,000 |
| Noninterest expense | 387,000 | 810,000 | 1,227,000 | 1,721,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 90,000 |
| Pretax income | 399,000 | 805,000 | 1,230,000 | 1,577,000 |
| Income tax | 20,000 | 40,000 | 62,000 | 79,000 |
| Net income | 379,000 | 765,000 | 1,168,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,515,000 | 7,496,000 | 7,619,000 | 7,792,000 |
| Total capital | 8,325,000 | 8,386,000 | 8,446,000 | 8,622,000 |
| Risk-weighted assets | 78,351,000 | 78,408,000 | 79,388,000 | 80,836,000 |