Call reports 2007
FIRST STATE BANK OF ST. ROBERT — 2007
What FIRST STATE BANK OF ST. ROBERT 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 | 73,671,000 | 72,486,000 | 73,571,000 | 75,588,000 |
| Total loans | 51,173,000 | 53,662,000 | 53,848,000 | 57,214,000 |
| Allowance for loan losses | 573,000 | 603,000 | 610,000 | 631,000 |
| Securities available for sale | 12,638,000 | 12,889,000 | 13,728,000 | 13,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,014,000 | 64,787,000 | 64,645,000 | 63,993,000 |
| Interest-bearing deposits | 58,084,000 | 57,882,000 | 56,998,000 | 56,864,000 |
| Noninterest-bearing deposits | 7,930,000 | 6,905,000 | 7,647,000 | 7,129,000 |
| Equity capital | 6,332,000 | 6,314,000 | 6,527,000 | 6,727,000 |
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 | 1,269,000 | 2,588,000 | 3,944,000 | 5,326,000 |
| Interest expense | 563,000 | 1,153,000 | 1,751,000 | 2,344,000 |
| Net interest income | 706,000 | 1,435,000 | 2,193,000 | 2,982,000 |
| Noninterest income | 189,000 | 331,000 | 483,000 | 651,000 |
| Noninterest expense | 752,000 | 1,536,000 | 2,232,000 | 2,937,000 |
| Provision for loan losses | 30,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 113,000 | 160,000 | 344,000 | 566,000 |
| Income tax | 31,000 | 32,000 | 75,000 | 143,000 |
| Net income | 82,000 | 128,000 | 269,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,345,000 | 6,391,000 | 6,522,000 | 6,686,000 |
| Total capital | 6,914,000 | 6,979,000 | 7,125,000 | 7,317,000 |
| Risk-weighted assets | 45,523,000 | 46,994,000 | 48,228,000 | 50,766,000 |