Call reports 2007
STONE BANK — 2007
What STONE 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 | 13,881,000 | 14,313,000 | 13,939,000 | 14,553,000 |
| Total loans | 8,882,000 | 9,110,000 | 8,652,000 | 8,379,000 |
| Allowance for loan losses | 89,000 | 112,000 | 104,000 | 111,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,125,000 | 3,952,000 | 3,951,000 | 2,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,520,000 | 8,092,000 | 8,408,000 | 10,853,000 |
| Interest-bearing deposits | 6,116,000 | 5,653,000 | 5,646,000 | 5,866,000 |
| Noninterest-bearing deposits | 2,404,000 | 2,439,000 | 2,762,000 | 4,987,000 |
| Equity capital | 2,509,000 | 2,502,000 | 2,539,000 | 2,591,000 |
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 | 229,000 | 466,000 | 709,000 | 953,000 |
| Interest expense | 86,000 | 181,000 | 268,000 | 345,000 |
| Net interest income | 143,000 | 285,000 | 441,000 | 608,000 |
| Noninterest income | 17,000 | 35,000 | 63,000 | 80,000 |
| Noninterest expense | 146,000 | 279,000 | 416,000 | 548,000 |
| Provision for loan losses | 20,000 | 43,000 | 43,000 | 44,000 |
| Pretax income | -6,000 | -2,000 | 45,000 | 103,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 0 |
| Net income | -16,000 | -23,000 | 14,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,509,000 | 2,502,000 | 2,539,000 | 2,591,000 |
| Total capital | 2,597,000 | 2,614,000 | 2,643,000 | 2,702,000 |
| Risk-weighted assets | 9,150,000 | 9,318,000 | 8,872,000 | 8,636,000 |