Call reports 2007
SHERMAN COUNTY BANK — 2007
What SHERMAN COUNTY 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 | 91,988,000 | 94,636,000 | 97,612,000 | 96,435,000 |
| Total loans | 64,517,000 | 65,869,000 | 68,346,000 | 66,133,000 |
| Allowance for loan losses | 1,619,000 | 1,649,000 | 1,678,000 | 1,493,000 |
| Securities available for sale | 18,464,000 | 19,455,000 | 20,970,000 | 20,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,074,000 | 66,298,000 | 67,925,000 | 69,449,000 |
| Interest-bearing deposits | 57,197,000 | 59,002,000 | 61,039,000 | 61,355,000 |
| Noninterest-bearing deposits | 5,877,000 | 7,296,000 | 6,886,000 | 8,094,000 |
| Equity capital | 8,419,000 | 8,339,000 | 8,527,000 | 8,835,000 |
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 | 1,614,000 | 3,280,000 | 5,125,000 | 6,868,000 |
| Interest expense | 776,000 | 1,606,000 | 2,484,000 | 3,344,000 |
| Net interest income | 838,000 | 1,674,000 | 2,641,000 | 3,524,000 |
| Noninterest income | 147,000 | 285,000 | 439,000 | 631,000 |
| Noninterest expense | 638,000 | 1,226,000 | 1,874,000 | 2,624,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 319,000 | 675,000 | 1,118,000 | 1,413,000 |
| Income tax | 67,000 | 158,000 | 410,000 | 395,000 |
| Net income | 252,000 | 517,000 | 708,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,445,000 | 8,661,000 | 8,714,000 | 8,980,000 |
| Total capital | 9,362,000 | 9,604,000 | 9,684,000 | 9,925,000 |
| Risk-weighted assets | 73,793,000 | 76,013,000 | 78,376,000 | 76,327,000 |