Call reports 2007
PHELPS COUNTY BANK — 2007
What PHELPS COUNTY 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 | 211,878,000 | 210,962,000 | 208,273,000 | 209,570,000 |
| Total loans | 156,884,000 | 154,692,000 | 160,138,000 | 162,625,000 |
| Allowance for loan losses | 1,752,000 | 1,726,000 | 1,719,000 | 1,690,000 |
| Securities available for sale | 38,764,000 | 39,680,000 | 36,625,000 | 36,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,234,000 | 192,310,000 | 185,128,000 | 189,420,000 |
| Interest-bearing deposits | 161,318,000 | 160,328,000 | 152,973,000 | 156,321,000 |
| Noninterest-bearing deposits | 31,916,000 | 31,982,000 | 32,155,000 | 33,099,000 |
| Equity capital | 15,586,000 | 15,145,000 | 15,616,000 | 16,009,000 |
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 | 3,124,000 | 6,460,000 | 9,817,000 | 13,171,000 |
| Interest expense | 1,232,000 | 2,463,000 | 3,658,000 | 4,836,000 |
| Net interest income | 1,892,000 | 3,997,000 | 6,159,000 | 8,335,000 |
| Noninterest income | 512,000 | 1,070,000 | 1,641,000 | 2,265,000 |
| Noninterest expense | 1,692,000 | 3,413,000 | 5,122,000 | 6,898,000 |
| Provision for loan losses | 0 | 0 | 18,000 | 67,000 |
| Pretax income | 712,000 | 1,654,000 | 2,662,000 | 3,620,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 706,000 | 1,648,000 | 2,656,000 | 3,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,062,000 | 16,004,000 | 16,013,000 | 15,921,000 |
| Total capital | 17,653,000 | 17,606,000 | 17,649,000 | 17,534,000 |
| Risk-weighted assets | 127,118,000 | 128,013,000 | 130,796,000 | 131,762,000 |