Call reports 2007
STATE BANK OF BOTTINEAU — 2007
What STATE BANK OF BOTTINEAU 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 | 49,954,000 | 48,651,000 | 49,282,000 | 49,017,000 |
| Total loans | 33,074,000 | 37,667,000 | 35,075,000 | 35,226,000 |
| Allowance for loan losses | 539,000 | 478,000 | 493,000 | 449,000 |
| Securities available for sale | 950,000 | 1,209,000 | 1,693,000 | 1,564,000 |
| Securities held to maturity | 5,840,000 | 4,874,000 | 3,145,000 | 3,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,025,000 | 43,616,000 | 44,036,000 | 43,654,000 |
| Interest-bearing deposits | 40,990,000 | 39,920,000 | 39,318,000 | 38,245,000 |
| Noninterest-bearing deposits | 4,035,000 | 3,696,000 | 4,718,000 | 5,409,000 |
| Equity capital | 3,930,000 | 3,962,000 | 4,094,000 | 4,229,000 |
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 | 803,000 | 1,660,000 | 2,510,000 | 3,314,000 |
| Interest expense | 359,000 | 729,000 | 1,082,000 | 1,414,000 |
| Net interest income | 444,000 | 931,000 | 1,428,000 | 1,900,000 |
| Noninterest income | 57,000 | 142,000 | 220,000 | 289,000 |
| Noninterest expense | 346,000 | 733,000 | 1,107,000 | 1,500,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 140,000 | 310,000 | 496,000 | 629,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 128,000 | 286,000 | 460,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,571,000 | 3,610,000 | 3,743,000 | 3,870,000 |
| Total capital | 4,034,000 | 4,088,000 | 4,233,000 | 4,319,000 |
| Risk-weighted assets | 36,983,000 | 40,500,000 | 39,208,000 | 38,884,000 |