Call reports 2007
S-BANK — 2007
What S-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 | 201,169,000 | 196,996,000 | 195,037,000 | 198,587,000 |
| Total loans | 165,145,000 | 164,053,000 | 161,243,000 | 163,401,000 |
| Allowance for loan losses | 1,479,000 | 1,477,000 | 1,478,000 | 1,318,000 |
| Securities available for sale | 20,006,000 | 18,547,000 | 18,676,000 | 18,997,000 |
| Securities held to maturity | 582,000 | 2,070,000 | 2,066,000 | 2,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,825,000 | 127,178,000 | 118,492,000 | 119,649,000 |
| Interest-bearing deposits | 109,807,000 | 112,577,000 | 103,287,000 | 100,592,000 |
| Noninterest-bearing deposits | 19,019,000 | 14,601,000 | 15,205,000 | 19,057,000 |
| Equity capital | 13,530,000 | 13,656,000 | 13,888,000 | 13,347,000 |
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 | 2,990,000 | 6,125,000 | 9,175,000 | 12,177,000 |
| Interest expense | 1,592,000 | 3,209,000 | 4,857,000 | 6,495,000 |
| Net interest income | 1,398,000 | 2,916,000 | 4,318,000 | 5,682,000 |
| Noninterest income | 147,000 | 330,000 | 465,000 | 530,000 |
| Noninterest expense | 1,353,000 | 2,633,000 | 3,896,000 | 5,253,000 |
| Provision for loan losses | 104,000 | 103,000 | 106,000 | -54,000 |
| Pretax income | 88,000 | 510,000 | 781,000 | 1,013,000 |
| Income tax | 27,000 | 154,000 | 237,000 | 283,000 |
| Net income | 61,000 | 356,000 | 544,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,641,000 | 13,865,000 | 13,975,000 | 14,060,000 |
| Total capital | 15,120,000 | 15,342,000 | 15,453,000 | 15,378,000 |
| Risk-weighted assets | 134,436,000 | 130,825,000 | 128,751,000 | 131,481,000 |