Call reports 2007
SCOTTDALE BANK & TRUST CO. THE — 2007
What SCOTTDALE BANK & TRUST CO. THE 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 | 168,755,000 | 168,277,000 | 170,875,000 | 164,363,000 |
| Total loans | 56,461,000 | 58,465,000 | 61,802,000 | 63,064,000 |
| Allowance for loan losses | 1,008,000 | 1,039,000 | 1,049,000 | 1,049,000 |
| Securities available for sale | 66,262,000 | 61,012,000 | 55,187,000 | 48,953,000 |
| Securities held to maturity | 17,052,000 | 19,374,000 | 20,653,000 | 24,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,017,000 | 128,140,000 | 129,921,000 | 123,427,000 |
| Interest-bearing deposits | 103,929,000 | 103,774,000 | 103,495,000 | 99,805,000 |
| Noninterest-bearing deposits | 25,088,000 | 24,366,000 | 26,426,000 | 23,621,000 |
| Equity capital | 37,899,000 | 38,080,000 | 38,613,000 | 38,995,000 |
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 | 1,944,000 | 3,944,000 | 6,026,000 | 8,153,000 |
| Interest expense | 586,000 | 1,174,000 | 1,776,000 | 2,357,000 |
| Net interest income | 1,358,000 | 2,770,000 | 4,250,000 | 5,796,000 |
| Noninterest income | 112,000 | 226,000 | 331,000 | 483,000 |
| Noninterest expense | 1,011,000 | 1,992,000 | 3,099,000 | 4,399,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 429,000 | 944,000 | 1,412,000 | 1,810,000 |
| Income tax | 81,000 | 215,000 | 295,000 | 276,000 |
| Net income | 348,000 | 729,000 | 1,117,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,406,000 | 35,718,000 | 36,105,000 | 36,522,000 |
| Total capital | 36,414,000 | 36,757,000 | 37,154,000 | 37,571,000 |
| Risk-weighted assets | 92,052,000 | 91,898,000 | 91,619,000 | 90,507,000 |