Call reports 2007
MER ROUGE STATE BANK, THE — 2007
What MER ROUGE 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 | 34,981,000 | 34,009,000 | 35,758,000 | 35,477,000 |
| Total loans | 12,737,000 | 17,788,000 | 17,803,000 | 14,645,000 |
| Allowance for loan losses | 282,000 | 292,000 | 292,000 | 259,000 |
| Securities available for sale | 8,552,000 | 8,016,000 | 7,134,000 | 6,216,000 |
| Securities held to maturity | 2,571,000 | 2,570,000 | 2,569,000 | 2,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,302,000 | 29,233,000 | 30,800,000 | 30,826,000 |
| Interest-bearing deposits | 24,393,000 | 23,707,000 | 22,847,000 | 23,621,000 |
| Noninterest-bearing deposits | 5,909,000 | 5,526,000 | 7,953,000 | 7,206,000 |
| Equity capital | 4,513,000 | 4,584,000 | 4,717,000 | 4,532,000 |
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 | 540,000 | 1,106,000 | 1,689,000 | 2,230,000 |
| Interest expense | 219,000 | 440,000 | 652,000 | 855,000 |
| Net interest income | 321,000 | 666,000 | 1,037,000 | 1,375,000 |
| Noninterest income | 48,000 | 101,000 | 148,000 | 199,000 |
| Noninterest expense | 286,000 | 558,000 | 847,000 | 1,149,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 83,000 | 209,000 | 338,000 | 425,000 |
| Income tax | 22,000 | 53,000 | 85,000 | 102,000 |
| Net income | 61,000 | 156,000 | 253,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,537,000 | 4,630,000 | 4,729,000 | 4,529,000 |
| Total capital | 4,757,000 | 4,901,000 | 5,004,000 | 4,771,000 |
| Risk-weighted assets | 17,509,000 | 21,689,000 | 21,972,000 | 19,369,000 |