Call reports 2007
STATE BANK OF DAVIS — 2007
What STATE BANK OF DAVIS 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 | 95,975,000 | 98,309,000 | 101,429,000 | 103,814,000 |
| Total loans | 64,411,000 | 66,755,000 | 65,465,000 | 63,701,000 |
| Allowance for loan losses | 775,000 | 783,000 | 775,000 | 784,000 |
| Securities available for sale | 19,795,000 | 21,984,000 | 25,527,000 | 30,763,000 |
| Securities held to maturity | 6,614,000 | 6,625,000 | 6,385,000 | 6,201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,607,000 | 84,577,000 | 88,282,000 | 88,764,000 |
| Interest-bearing deposits | 77,250,000 | 78,756,000 | 83,493,000 | 82,685,000 |
| Noninterest-bearing deposits | 6,357,000 | 5,821,000 | 4,789,000 | 6,079,000 |
| Equity capital | 8,072,000 | 8,059,000 | 8,489,000 | 8,879,000 |
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 | 1,546,000 | 3,148,000 | 4,789,000 | 6,439,000 |
| Interest expense | 784,000 | 1,598,000 | 2,475,000 | 3,383,000 |
| Net interest income | 762,000 | 1,550,000 | 2,314,000 | 3,056,000 |
| Noninterest income | 46,000 | 95,000 | 150,000 | 211,000 |
| Noninterest expense | 356,000 | 742,000 | 1,108,000 | 1,471,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 438,000 | 881,000 | 1,313,000 | 1,745,000 |
| Income tax | 112,000 | 228,000 | 325,000 | 423,000 |
| Net income | 326,000 | 653,000 | 988,000 | 1,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,057,000 | 8,284,000 | 8,519,000 | 8,758,000 |
| Total capital | 8,832,000 | 9,067,000 | 9,294,000 | 9,542,000 |
| Risk-weighted assets | 67,181,000 | 72,458,000 | 72,147,000 | 71,302,000 |