Call reports 2007
STATE EXCHANGE BANK, THE — 2007
What STATE EXCHANGE BANK, 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 | 27,875,000 | 27,280,000 | 27,015,000 | 31,336,000 |
| Total loans | 14,949,000 | 15,897,000 | 15,838,000 | 15,569,000 |
| Allowance for loan losses | 180,000 | 177,000 | 181,000 | 173,000 |
| Securities available for sale | 11,777,000 | 10,460,000 | 9,834,000 | 11,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,927,000 | 21,002,000 | 20,747,000 | 25,169,000 |
| Interest-bearing deposits | 18,239,000 | 17,604,000 | 17,476,000 | 20,409,000 |
| Noninterest-bearing deposits | 3,688,000 | 3,398,000 | 3,271,000 | 4,761,000 |
| Equity capital | 2,811,000 | 2,779,000 | 2,918,000 | 3,022,000 |
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 | 440,000 | 882,000 | 1,339,000 | 1,807,000 |
| Interest expense | 196,000 | 398,000 | 606,000 | 804,000 |
| Net interest income | 244,000 | 484,000 | 733,000 | 1,003,000 |
| Noninterest income | 16,000 | 41,000 | 55,000 | 65,000 |
| Noninterest expense | 201,000 | 359,000 | 530,000 | 762,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 39,000 | 138,000 | 230,000 | 278,000 |
| Income tax | 0 | 7,000 | 9,000 | 14,000 |
| Net income | 39,000 | 131,000 | 221,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,839,000 | 2,931,000 | 2,920,000 | 2,963,000 |
| Total capital | 3,019,000 | 3,108,000 | 3,101,000 | 3,136,000 |
| Risk-weighted assets | 17,834,000 | 18,377,000 | 18,429,000 | 19,093,000 |