Call reports 2007
SCHWERTNER STATE BANK — 2007
What SCHWERTNER 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 | 33,912,000 | 34,523,000 | 33,726,000 | 34,490,000 |
| Total loans | 9,897,000 | 10,477,000 | 9,964,000 | 10,044,000 |
| Allowance for loan losses | 103,000 | 103,000 | 98,000 | 139,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,514,000 | 14,185,000 | 15,703,000 | 15,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,056,000 | 30,601,000 | 29,578,000 | 30,318,000 |
| Interest-bearing deposits | 22,329,000 | 23,348,000 | 22,621,000 | 23,326,000 |
| Noninterest-bearing deposits | 7,728,000 | 7,253,000 | 6,957,000 | 6,992,000 |
| Equity capital | 3,637,000 | 3,784,000 | 3,828,000 | 3,891,000 |
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 | 466,000 | 944,000 | 1,443,000 | 1,914,000 |
| Interest expense | 107,000 | 220,000 | 336,000 | 458,000 |
| Net interest income | 359,000 | 724,000 | 1,107,000 | 1,456,000 |
| Noninterest income | 36,000 | 72,000 | 99,000 | 174,000 |
| Noninterest expense | 209,000 | 413,000 | 658,000 | 990,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | 186,000 | 383,000 | 508,000 | 600,000 |
| Income tax | 40,000 | 90,000 | 172,000 | 200,000 |
| Net income | 146,000 | 293,000 | 336,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,637,000 | 3,784,000 | 3,828,000 | 3,891,000 |
| Total capital | 3,740,000 | 3,887,000 | 3,926,000 | 4,030,000 |
| Risk-weighted assets | 15,821,000 | 16,715,000 | 16,245,000 | 16,292,000 |