Call reports 2007
STATE BANK OF OSKALOOSA, THE — 2007
What STATE BANK OF OSKALOOSA, 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 | 29,525,000 | 30,746,000 | 28,076,000 | 27,791,000 |
| Total loans | 9,133,000 | 8,721,000 | 8,671,000 | 8,780,000 |
| Allowance for loan losses | 112,000 | 88,000 | 87,000 | 88,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,232,000 | 15,220,000 | 16,239,000 | 16,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,275,000 | 28,453,000 | 25,770,000 | 25,477,000 |
| Interest-bearing deposits | 23,323,000 | 24,348,000 | 21,905,000 | 21,742,000 |
| Noninterest-bearing deposits | 3,952,000 | 4,104,000 | 3,865,000 | 3,735,000 |
| Equity capital | 2,175,000 | 2,198,000 | 2,203,000 | 2,228,000 |
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 | 414,000 | 832,000 | 1,238,000 | 1,627,000 |
| Interest expense | 180,000 | 354,000 | 529,000 | 691,000 |
| Net interest income | 234,000 | 478,000 | 709,000 | 936,000 |
| Noninterest income | 60,000 | 113,000 | 170,000 | 234,000 |
| Noninterest expense | 206,000 | 416,000 | 638,000 | 854,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 2,000 |
| Pretax income | 88,000 | 175,000 | 239,000 | 314,000 |
| Income tax | 3,000 | 7,000 | 12,000 | 11,000 |
| Net income | 85,000 | 168,000 | 227,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,175,000 | 2,198,000 | 2,203,000 | 2,228,000 |
| Total capital | 2,268,000 | 2,286,000 | 2,290,000 | 2,315,000 |
| Risk-weighted assets | 7,447,000 | 7,583,000 | 6,965,000 | 6,951,000 |