Call reports 2007
STATE BANK OF WHEATON — 2007
What STATE BANK OF WHEATON 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 | 60,376,000 | 59,969,000 | 60,506,000 | 64,368,000 |
| Total loans | 52,322,000 | 53,580,000 | 51,194,000 | 53,105,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 1,594,000 | 908,000 | 894,000 | 3,269,000 |
| Securities held to maturity | 1,124,000 | 1,049,000 | 1,028,000 | 998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,366,000 | 44,870,000 | 45,661,000 | 49,182,000 |
| Interest-bearing deposits | 39,914,000 | 39,644,000 | 39,565,000 | 41,515,000 |
| Noninterest-bearing deposits | 5,452,000 | 5,226,000 | 6,096,000 | 7,667,000 |
| Equity capital | 14,035,000 | 14,076,000 | 13,869,000 | 14,535,000 |
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 | 1,143,000 | 2,318,000 | 3,491,000 | 4,694,000 |
| Interest expense | 375,000 | 761,000 | 1,158,000 | 1,547,000 |
| Net interest income | 768,000 | 1,557,000 | 2,333,000 | 3,147,000 |
| Noninterest income | 151,000 | 195,000 | 669,000 | 706,000 |
| Noninterest expense | 369,000 | 754,000 | 1,180,000 | 1,465,000 |
| Provision for loan losses | -1,000 | 93,000 | 101,000 | 6,000 |
| Pretax income | 551,000 | 905,000 | 1,721,000 | 2,382,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 549,000 | 903,000 | 1,719,000 | 2,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,024,000 | 14,070,000 | 13,864,000 | 14,526,000 |
| Total capital | 14,669,000 | 14,726,000 | 14,501,000 | 15,189,000 |
| Risk-weighted assets | 51,231,000 | 52,163,000 | 50,582,000 | 52,723,000 |