Call reports 2007
BATH STATE BANK — 2007
What BATH STATE 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 | 130,947,000 | 134,204,000 | 138,738,000 | 139,256,000 |
| Total loans | 103,012,000 | 110,578,000 | 114,149,000 | 114,221,000 |
| Allowance for loan losses | 1,063,000 | 1,108,000 | 1,080,000 | 1,096,000 |
| Securities available for sale | 12,398,000 | 11,603,000 | 11,632,000 | 11,669,000 |
| Securities held to maturity | 1,633,000 | 1,582,000 | 1,306,000 | 1,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,917,000 | 107,238,000 | 110,000,000 | 110,331,000 |
| Interest-bearing deposits | 99,852,000 | 102,675,000 | 104,684,000 | 104,500,000 |
| Noninterest-bearing deposits | 5,065,000 | 4,563,000 | 5,317,000 | 5,831,000 |
| Equity capital | 10,760,000 | 10,642,000 | 10,985,000 | 11,284,000 |
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 | 2,225,000 | 4,486,000 | 6,884,000 | 9,321,000 |
| Interest expense | 1,232,000 | 2,528,000 | 3,881,000 | 5,251,000 |
| Net interest income | 993,000 | 1,958,000 | 3,003,000 | 4,070,000 |
| Noninterest income | 142,000 | 253,000 | 417,000 | 653,000 |
| Noninterest expense | 765,000 | 1,567,000 | 2,321,000 | 3,108,000 |
| Provision for loan losses | 34,000 | 107,000 | 141,000 | 190,000 |
| Pretax income | 355,000 | 556,000 | 977,000 | 1,444,000 |
| Income tax | 127,000 | 173,000 | 302,000 | 427,000 |
| Net income | 228,000 | 383,000 | 675,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,708,000 | 10,770,000 | 11,024,000 | 11,225,000 |
| Total capital | 11,771,000 | 11,878,000 | 12,104,000 | 12,321,000 |
| Risk-weighted assets | 106,154,000 | 113,112,000 | 117,685,000 | 117,384,000 |