Call reports 2007
STATE BANK OF HERSCHER — 2007
What STATE BANK OF HERSCHER 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 | 124,105,000 | 126,198,000 | 132,355,000 | 137,982,000 |
| Total loans | 90,350,000 | 93,670,000 | 100,439,000 | 103,559,000 |
| Allowance for loan losses | 934,000 | 1,026,000 | 1,113,000 | 1,040,000 |
| Securities available for sale | 22,450,000 | 22,205,000 | 22,383,000 | 22,846,000 |
| Securities held to maturity | 1,469,000 | 1,387,000 | 1,386,000 | 1,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,012,000 | 108,925,000 | 114,658,000 | 119,972,000 |
| Interest-bearing deposits | 96,006,000 | 95,775,000 | 103,161,000 | 104,360,000 |
| Noninterest-bearing deposits | 14,006,000 | 13,150,000 | 11,497,000 | 15,611,000 |
| Equity capital | 13,292,000 | 13,412,000 | 14,105,000 | 14,209,000 |
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 | 2,121,000 | 4,312,000 | 6,695,000 | 9,176,000 |
| Interest expense | 925,000 | 1,893,000 | 2,920,000 | 3,922,000 |
| Net interest income | 1,196,000 | 2,419,000 | 3,775,000 | 5,254,000 |
| Noninterest income | 139,000 | 258,000 | 383,000 | 504,000 |
| Noninterest expense | 794,000 | 1,607,000 | 2,434,000 | 3,329,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 451,000 | 889,000 | 1,445,000 | 2,060,000 |
| Income tax | -55,000 | -43,000 | -48,000 | -33,000 |
| Net income | 506,000 | 932,000 | 1,493,000 | 2,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,435,000 | 13,734,000 | 14,098,000 | 14,009,000 |
| Total capital | 14,369,000 | 14,760,000 | 15,211,000 | 15,049,000 |
| Risk-weighted assets | 118,669,000 | 122,379,000 | 130,478,000 | 137,711,000 |