Call reports 2007
CASTROVILLE STATE BANK — 2007
What CASTROVILLE 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 | 83,024,000 | 75,186,000 | 77,914,000 | 84,488,000 |
| Total loans | 35,221,000 | 35,463,000 | 33,629,000 | 36,242,000 |
| Allowance for loan losses | 372,000 | 383,000 | 389,000 | 399,000 |
| Securities available for sale | 35,441,000 | 34,393,000 | 34,040,000 | 36,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,239,000 | 67,561,000 | 69,782,000 | 76,244,000 |
| Interest-bearing deposits | 62,652,000 | 56,947,000 | 58,218,000 | 64,390,000 |
| Noninterest-bearing deposits | 12,587,000 | 10,614,000 | 11,564,000 | 11,854,000 |
| Equity capital | 7,547,000 | 7,472,000 | 7,928,000 | 8,055,000 |
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 | 1,093,000 | 2,172,000 | 3,284,000 | 4,391,000 |
| Interest expense | 463,000 | 925,000 | 1,396,000 | 1,899,000 |
| Net interest income | 630,000 | 1,247,000 | 1,888,000 | 2,492,000 |
| Noninterest income | 119,000 | 243,000 | 366,000 | 529,000 |
| Noninterest expense | 461,000 | 927,000 | 1,398,000 | 1,887,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 277,000 | 542,000 | 824,000 | 1,092,000 |
| Income tax | 75,000 | 144,000 | 219,000 | 287,000 |
| Net income | 202,000 | 398,000 | 605,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,747,000 | 7,882,000 | 8,029,000 | 7,960,000 |
| Total capital | 8,119,000 | 8,265,000 | 8,418,000 | 8,359,000 |
| Risk-weighted assets | 42,298,000 | 41,488,000 | 40,634,000 | 43,121,000 |