Call reports 2007
STATE BANK, THE — 2007
What STATE BANK, 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 | 88,654,000 | 90,325,000 | 93,935,000 | 93,128,000 |
| Total loans | 56,252,000 | 59,966,000 | 62,598,000 | 63,407,000 |
| Allowance for loan losses | 620,000 | 669,000 | 586,000 | 653,000 |
| Securities available for sale | 12,931,000 | 12,613,000 | 12,657,000 | 12,955,000 |
| Securities held to maturity | 202,000 | 202,000 | 202,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,523,000 | 75,029,000 | 78,321,000 | 77,327,000 |
| Interest-bearing deposits | 63,103,000 | 64,032,000 | 67,547,000 | 66,969,000 |
| Noninterest-bearing deposits | 10,420,000 | 10,997,000 | 10,774,000 | 10,358,000 |
| Equity capital | 10,764,000 | 10,939,000 | 11,242,000 | 11,158,000 |
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 | 1,493,000 | 3,021,000 | 4,594,000 | 6,169,000 |
| Interest expense | 574,000 | 1,166,000 | 1,831,000 | 2,508,000 |
| Net interest income | 919,000 | 1,855,000 | 2,763,000 | 3,661,000 |
| Noninterest income | 179,000 | 392,000 | 600,000 | 957,000 |
| Noninterest expense | 779,000 | 1,474,000 | 2,275,000 | 3,223,000 |
| Provision for loan losses | 41,000 | 85,000 | 137,000 | 247,000 |
| Pretax income | 278,000 | 688,000 | 951,000 | 1,148,000 |
| Income tax | 47,000 | 142,000 | 197,000 | 268,000 |
| Net income | 231,000 | 546,000 | 754,000 | 880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,633,000 | 10,948,000 | 11,155,000 | 11,032,000 |
| Total capital | 11,253,000 | 11,617,000 | 11,741,000 | 11,685,000 |
| Risk-weighted assets | 68,733,000 | 71,900,000 | 73,967,000 | 74,027,000 |