Call reports 2007
HUSTISFORD STATE BANK — 2007
What HUSTISFORD 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 | 40,144,000 | 39,561,000 | 41,338,000 | 44,266,000 |
| Total loans | 31,240,000 | 31,469,000 | 32,461,000 | 32,841,000 |
| Allowance for loan losses | 494,000 | 498,000 | 502,000 | 477,000 |
| Securities available for sale | 5,063,000 | 5,035,000 | 5,041,000 | 3,704,000 |
| Securities held to maturity | 370,000 | 370,000 | 370,000 | 270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,120,000 | 30,459,000 | 29,974,000 | 32,715,000 |
| Interest-bearing deposits | 26,244,000 | 25,117,000 | 25,330,000 | 26,982,000 |
| Noninterest-bearing deposits | 4,876,000 | 5,342,000 | 4,644,000 | 5,733,000 |
| Equity capital | 6,408,000 | 6,501,000 | 6,630,000 | 6,735,000 |
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 | 603,000 | 1,203,000 | 1,807,000 | 2,436,000 |
| Interest expense | 246,000 | 491,000 | 751,000 | 1,031,000 |
| Net interest income | 357,000 | 712,000 | 1,056,000 | 1,405,000 |
| Noninterest income | 32,000 | 66,000 | 97,000 | 132,000 |
| Noninterest expense | 220,000 | 444,000 | 672,000 | 927,000 |
| Provision for loan losses | 4,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 165,000 | 328,000 | 472,000 | 598,000 |
| Income tax | 55,000 | 107,000 | 152,000 | 192,000 |
| Net income | 110,000 | 221,000 | 320,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,425,000 | 6,537,000 | 6,636,000 | 6,722,000 |
| Total capital | 6,752,000 | 6,870,000 | 6,991,000 | 7,083,000 |
| Risk-weighted assets | 25,960,000 | 26,446,000 | 28,247,000 | 28,735,000 |