Call reports 2007
SHARON BANK — 2007
What SHARON 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 | 180,464,000 | 180,913,000 | 171,072,000 | 161,771,000 |
| Total loans | 121,321,000 | 120,727,000 | 123,402,000 | 123,715,000 |
| Allowance for loan losses | 215,000 | 215,000 | 221,000 | 237,000 |
| Securities available for sale | 15,745,000 | 15,534,000 | 14,948,000 | 14,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,958,000 | 159,922,000 | 149,322,000 | 141,219,000 |
| Interest-bearing deposits | 153,153,000 | 154,257,000 | 143,931,000 | 135,260,000 |
| Noninterest-bearing deposits | 5,805,000 | 5,665,000 | 5,391,000 | 5,959,000 |
| Equity capital | 20,019,000 | 19,567,000 | 19,190,000 | 19,102,000 |
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 | 2,312,000 | 4,725,000 | 7,115,000 | 9,372,000 |
| Interest expense | 1,257,000 | 2,629,000 | 4,016,000 | 5,294,000 |
| Net interest income | 1,055,000 | 2,096,000 | 3,099,000 | 4,078,000 |
| Noninterest income | 211,000 | 405,000 | 594,000 | 775,000 |
| Noninterest expense | 1,143,000 | 2,259,000 | 3,384,000 | 4,493,000 |
| Provision for loan losses | 1,000 | 10,000 | 16,000 | 34,000 |
| Pretax income | 122,000 | 232,000 | 293,000 | 326,000 |
| Income tax | 16,000 | 37,000 | 44,000 | 40,000 |
| Net income | 106,000 | 195,000 | 249,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,031,000 | 20,020,000 | 19,973,000 | 19,908,000 |
| Total capital | 20,246,000 | 20,235,000 | 20,195,000 | 20,145,000 |
| Risk-weighted assets | 96,775,000 | 97,199,000 | 97,563,000 | 95,843,000 |