Call reports 2007
ST. MARYS STATE BANK, THE — 2007
What ST. MARYS STATE 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 | 76,594,000 | 78,160,000 | 77,756,000 | 78,760,000 |
| Total loans | 55,297,000 | 56,785,000 | 56,987,000 | 60,784,000 |
| Allowance for loan losses | 877,000 | 910,000 | 933,000 | 960,000 |
| Securities available for sale | 15,924,000 | 15,473,000 | 15,117,000 | 11,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,903,000 | 57,644,000 | 59,026,000 | 60,277,000 |
| Interest-bearing deposits | 50,007,000 | 49,964,000 | 50,499,000 | 50,464,000 |
| Noninterest-bearing deposits | 7,896,000 | 7,680,000 | 8,527,000 | 9,813,000 |
| Equity capital | 6,789,000 | 6,764,000 | 7,226,000 | 7,548,000 |
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 | 1,257,000 | 2,592,000 | 3,903,000 | 5,249,000 |
| Interest expense | 568,000 | 1,162,000 | 1,762,000 | 2,359,000 |
| Net interest income | 689,000 | 1,430,000 | 2,141,000 | 2,890,000 |
| Noninterest income | 123,000 | 257,000 | 385,000 | 541,000 |
| Noninterest expense | 510,000 | 1,031,000 | 1,556,000 | 2,168,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 125,000 |
| Pretax income | 267,000 | 591,000 | 875,000 | 1,135,000 |
| Income tax | 6,000 | 20,000 | 33,000 | 46,000 |
| Net income | 261,000 | 571,000 | 842,000 | 1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,804,000 | 6,922,000 | 7,194,000 | 7,440,000 |
| Total capital | 7,579,000 | 7,712,000 | 7,981,000 | 8,255,000 |
| Risk-weighted assets | 61,899,000 | 63,082,000 | 62,840,000 | 65,063,000 |