Call reports 2007
FIRST STATE BANK OF MURDOCK — 2007
What FIRST STATE BANK OF MURDOCK 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 | 8,236,000 | 8,067,000 | 7,641,000 | 8,204,000 |
| Total loans | 6,132,000 | 5,881,000 | 5,675,000 | 5,826,000 |
| Allowance for loan losses | 65,000 | 62,000 | 59,000 | 58,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,242,000 | 7,046,000 | 6,652,000 | 7,233,000 |
| Interest-bearing deposits | 5,218,000 | 5,075,000 | 4,948,000 | 5,130,000 |
| Noninterest-bearing deposits | 2,024,000 | 1,971,000 | 1,704,000 | 2,103,000 |
| Equity capital | 915,000 | 936,000 | 914,000 | 893,000 |
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 | 152,000 | 303,000 | 449,000 | 597,000 |
| Interest expense | 37,000 | 77,000 | 116,000 | 155,000 |
| Net interest income | 115,000 | 226,000 | 333,000 | 442,000 |
| Noninterest income | 17,000 | 34,000 | 50,000 | 68,000 |
| Noninterest expense | 106,000 | 210,000 | 314,000 | 456,000 |
| Provision for loan losses | 0 | -3,000 | -6,000 | -7,000 |
| Pretax income | 26,000 | 53,000 | 75,000 | 61,000 |
| Income tax | 2,000 | 8,000 | 8,000 | 15,000 |
| Net income | 24,000 | 45,000 | 67,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 915,000 | 936,000 | 914,000 | 893,000 |
| Total capital | 980,000 | 998,000 | 973,000 | 951,000 |
| Risk-weighted assets | 5,570,000 | 5,297,000 | 5,093,000 | 5,378,000 |