Call reports 2007
STATE BANK OF DE KALB — 2007
What STATE BANK OF DE KALB 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 | 118,144,000 | 116,729,000 | 116,619,000 | 121,600,000 |
| Total loans | 60,790,000 | 62,562,000 | 61,019,000 | 57,988,000 |
| Allowance for loan losses | 711,000 | 731,000 | 695,000 | 758,000 |
| Securities available for sale | 9,422,000 | 6,364,000 | 6,367,000 | 13,697,000 |
| Securities held to maturity | 39,948,000 | 43,334,000 | 34,247,000 | 40,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,839,000 | 99,237,000 | 98,892,000 | 104,260,000 |
| Interest-bearing deposits | 81,771,000 | 79,946,000 | 80,060,000 | 86,866,000 |
| Noninterest-bearing deposits | 19,068,000 | 19,291,000 | 18,832,000 | 17,393,000 |
| Equity capital | 16,967,000 | 17,077,000 | 17,253,000 | 16,891,000 |
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 | 1,889,000 | 3,842,000 | 5,778,000 | 7,662,000 |
| Interest expense | 706,000 | 1,431,000 | 2,137,000 | 2,814,000 |
| Net interest income | 1,183,000 | 2,411,000 | 3,641,000 | 4,848,000 |
| Noninterest income | 152,000 | 301,000 | 443,000 | 576,000 |
| Noninterest expense | 650,000 | 1,315,000 | 1,971,000 | 2,743,000 |
| Provision for loan losses | 0 | 100,000 | 150,000 | 200,000 |
| Pretax income | 685,000 | 1,297,000 | 1,963,000 | 2,481,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 685,000 | 1,297,000 | 1,963,000 | 2,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,974,000 | 17,086,000 | 17,252,000 | 16,895,000 |
| Total capital | 17,685,000 | 17,817,000 | 17,947,000 | 17,653,000 |
| Risk-weighted assets | 69,353,000 | 70,735,000 | 69,578,000 | 67,498,000 |