Call reports 2007
STOCKGROWERS STATE BANK — 2007
What STOCKGROWERS STATE BANK 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 | 110,677,000 | 106,797,000 | 106,194,000 | 111,853,000 |
| Total loans | 69,309,000 | 65,843,000 | 65,026,000 | 72,846,000 |
| Allowance for loan losses | 1,360,000 | 1,381,000 | 1,356,000 | 1,221,000 |
| Securities available for sale | 35,760,000 | 34,461,000 | 35,051,000 | 33,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,513,000 | 92,252,000 | 89,324,000 | 97,925,000 |
| Interest-bearing deposits | 84,606,000 | 83,811,000 | 81,223,000 | 87,421,000 |
| Noninterest-bearing deposits | 7,907,000 | 8,441,000 | 8,101,000 | 10,504,000 |
| Equity capital | 11,970,000 | 11,964,000 | 12,380,000 | 12,614,000 |
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 | 1,836,000 | 3,608,000 | 5,406,000 | 7,186,000 |
| Interest expense | 846,000 | 1,669,000 | 2,478,000 | 3,281,000 |
| Net interest income | 990,000 | 1,939,000 | 2,928,000 | 3,905,000 |
| Noninterest income | 83,000 | 190,000 | 281,000 | 383,000 |
| Noninterest expense | 712,000 | 1,424,000 | 2,153,000 | 2,861,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 331,000 | 645,000 | 976,000 | 1,345,000 |
| Income tax | 93,000 | 142,000 | 218,000 | 323,000 |
| Net income | 238,000 | 503,000 | 758,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,698,000 | 11,762,000 | 12,037,000 | 12,053,000 |
| Total capital | 12,725,000 | 12,751,000 | 13,026,000 | 13,131,000 |
| Risk-weighted assets | 81,858,000 | 78,798,000 | 78,485,000 | 86,112,000 |