Call reports 2007
BONHAM STATE BANK — 2007
What BONHAM 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 |
|---|---|---|---|
| Total assets | 89,339,000 | 90,283,000 | 89,381,000 |
| Total loans | 41,740,000 | 41,852,000 | 41,715,000 |
| Allowance for loan losses | 471,000 | 445,000 | 449,000 |
| Securities available for sale | 17,926,000 | 13,953,000 | 13,532,000 |
| Securities held to maturity | 19,738,000 | 18,288,000 | 16,693,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 78,647,000 | 79,366,000 | 77,966,000 |
| Interest-bearing deposits | 61,389,000 | 62,653,000 | 61,340,000 |
| Noninterest-bearing deposits | 17,258,000 | 16,713,000 | 16,626,000 |
| Equity capital | 9,636,000 | 9,812,000 | 9,946,000 |
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 |
|---|---|---|---|
| Interest income | 1,285,000 | 2,554,000 | 3,825,000 |
| Interest expense | 550,000 | 1,101,000 | 1,658,000 |
| Net interest income | 735,000 | 1,453,000 | 2,167,000 |
| Noninterest income | 173,000 | 368,000 | 530,000 |
| Noninterest expense | 617,000 | 1,243,000 | 2,143,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 291,000 | 577,000 | 553,000 |
| Income tax | 52,000 | 107,000 | 54,000 |
| Net income | 239,000 | 470,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 9,730,000 | 9,961,000 | 9,991,000 |
| Total capital | 10,201,000 | 10,406,000 | 10,440,000 |
| Risk-weighted assets | 45,373,000 | 47,076,000 | 49,171,000 |