Call reports 2007
CARNEY STATE BANK, THE — 2007
What CARNEY 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 | 16,812,000 | 16,737,000 | 16,537,000 | 17,073,000 |
| Total loans | 6,271,000 | 6,061,000 | 6,186,000 | 6,319,000 |
| Allowance for loan losses | 56,000 | 38,000 | 62,000 | 67,000 |
| Securities available for sale | 995,000 | 979,000 | 1,002,000 | 1,026,000 |
| Securities held to maturity | 5,713,000 | 5,447,000 | 6,548,000 | 6,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,404,000 | 15,315,000 | 15,070,000 | 15,616,000 |
| Interest-bearing deposits | 13,529,000 | 13,706,000 | 13,753,000 | 14,160,000 |
| Noninterest-bearing deposits | 1,875,000 | 1,609,000 | 1,317,000 | 1,456,000 |
| Equity capital | 1,357,000 | 1,364,000 | 1,411,000 | 1,388,000 |
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 | 257,000 | 518,000 | 783,000 | 1,053,000 |
| Interest expense | 116,000 | 240,000 | 369,000 | 500,000 |
| Net interest income | 141,000 | 278,000 | 414,000 | 553,000 |
| Noninterest income | 20,000 | 42,000 | 73,000 | 103,000 |
| Noninterest expense | 133,000 | 241,000 | 356,000 | 523,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 35,000 |
| Pretax income | 28,000 | 79,000 | 111,000 | 98,000 |
| Income tax | 11,000 | 26,000 | 27,000 | 34,000 |
| Net income | 17,000 | 53,000 | 84,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,361,000 | 1,378,000 | 1,410,000 | 1,372,000 |
| Total capital | 1,417,000 | 1,416,000 | 1,472,000 | 1,439,000 |
| Risk-weighted assets | 6,414,000 | 6,468,000 | 6,352,000 | 6,596,000 |