Call reports 2007
STONE COUNTY NATIONAL BANK — 2007
What STONE COUNTY NATIONAL 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 | 89,386,000 | 88,456,000 | 90,407,000 | 99,025,000 |
| Total loans | 40,562,000 | 41,218,000 | 42,861,000 | 42,660,000 |
| Allowance for loan losses | 511,000 | 535,000 | 528,000 | 522,000 |
| Securities available for sale | 37,608,000 | 38,118,000 | 39,145,000 | 39,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,072,000 | 80,559,000 | 81,984,000 | 90,370,000 |
| Interest-bearing deposits | 68,013,000 | 67,832,000 | 69,758,000 | 78,808,000 |
| Noninterest-bearing deposits | 13,059,000 | 12,727,000 | 12,226,000 | 11,562,000 |
| Equity capital | 7,907,000 | 7,462,000 | 7,946,000 | 8,208,000 |
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 | 1,303,000 | 2,597,000 | 3,923,000 | 5,289,000 |
| Interest expense | 669,000 | 1,356,000 | 2,071,000 | 2,793,000 |
| Net interest income | 634,000 | 1,241,000 | 1,852,000 | 2,496,000 |
| Noninterest income | 113,000 | 233,000 | 361,000 | 497,000 |
| Noninterest expense | 498,000 | 1,015,000 | 1,519,000 | 2,090,000 |
| Provision for loan losses | 30,000 | 70,000 | 120,000 | 145,000 |
| Pretax income | 219,000 | 389,000 | 572,000 | 756,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 389,000 | 572,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,130,000 | 8,226,000 | 8,331,000 | 8,433,000 |
| Total capital | 8,641,000 | 8,761,000 | 8,859,000 | 8,955,000 |
| Risk-weighted assets | 48,538,000 | 55,010,000 | 52,561,000 | 54,926,000 |