Call reports 2007
COOPER STATE BANK — 2007
What COOPER STATE 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 | 21,203,000 | 28,245,000 | 32,740,000 | 34,423,000 |
| Total loans | 15,812,000 | 19,208,000 | 23,916,000 | 25,249,000 |
| Allowance for loan losses | 150,000 | 183,000 | 226,000 | 257,000 |
| Securities available for sale | 894,000 | 2,799,000 | 2,776,000 | 2,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,426,000 | 15,852,000 | 18,594,000 | 19,539,000 |
| Interest-bearing deposits | 11,861,000 | 14,261,000 | 16,353,000 | 16,371,000 |
| Noninterest-bearing deposits | 1,565,000 | 1,591,000 | 2,241,000 | 3,168,000 |
| Equity capital | 7,720,000 | 12,303,000 | 11,980,000 | 11,644,000 |
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 | 326,000 | 720,000 | 1,229,000 | 1,760,000 |
| Interest expense | 139,000 | 311,000 | 527,000 | 756,000 |
| Net interest income | 187,000 | 409,000 | 702,000 | 1,004,000 |
| Noninterest income | 65,000 | 161,000 | 268,000 | 387,000 |
| Noninterest expense | 489,000 | 1,001,000 | 1,717,000 | 2,467,000 |
| Provision for loan losses | 11,000 | 44,000 | 87,000 | 118,000 |
| Pretax income | -248,000 | -475,000 | -834,000 | -1,194,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -248,000 | -475,000 | -834,000 | -1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,708,000 | 12,317,000 | 11,957,000 | 11,597,000 |
| Total capital | 7,858,000 | 12,500,000 | 12,183,000 | 11,854,000 |
| Risk-weighted assets | 14,754,000 | 18,002,000 | 21,563,000 | 22,468,000 |