Call reports 2007
SMITH COUNTY STATE BANK AND TRUST COMPANY, THE — 2007
What SMITH COUNTY STATE BANK AND TRUST COMPANY, 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 | 59,206,000 | 57,784,000 | 56,558,000 | 59,404,000 |
| Total loans | 24,282,000 | 24,776,000 | 23,099,000 | 24,005,000 |
| Allowance for loan losses | 542,000 | 559,000 | 326,000 | 348,000 |
| Securities available for sale | 5,612,000 | 5,872,000 | 6,808,000 | 6,559,000 |
| Securities held to maturity | 22,693,000 | 22,197,000 | 23,328,000 | 20,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,097,000 | 50,638,000 | 49,188,000 | 52,202,000 |
| Interest-bearing deposits | 45,725,000 | 44,388,000 | 43,382,000 | 44,971,000 |
| Noninterest-bearing deposits | 6,372,000 | 6,250,000 | 5,806,000 | 7,231,000 |
| Equity capital | 6,875,000 | 6,827,000 | 6,967,000 | 7,059,000 |
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 | 797,000 | 1,620,000 | 2,445,000 | 3,276,000 |
| Interest expense | 296,000 | 598,000 | 906,000 | 1,213,000 |
| Net interest income | 501,000 | 1,022,000 | 1,539,000 | 2,063,000 |
| Noninterest income | 416,000 | 809,000 | 1,201,000 | 1,614,000 |
| Noninterest expense | 720,000 | 1,427,000 | 2,124,000 | 2,898,000 |
| Provision for loan losses | 12,000 | 34,000 | 57,000 | 79,000 |
| Pretax income | 187,000 | 372,000 | 561,000 | 702,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 23,000 |
| Net income | 178,000 | 354,000 | 534,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,885,000 | 6,931,000 | 6,981,000 | 6,996,000 |
| Total capital | 7,278,000 | 7,313,000 | 7,307,000 | 7,344,000 |
| Risk-weighted assets | 31,296,000 | 30,410,000 | 28,920,000 | 29,646,000 |