Call reports 2007
STATE BANK OF ARCADIA — 2007
What STATE BANK OF ARCADIA 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 | 101,537,000 | 102,797,000 | 103,046,000 | 107,106,000 |
| Total loans | 55,178,000 | 55,943,000 | 57,327,000 | 58,774,000 |
| Allowance for loan losses | 658,000 | 658,000 | 658,000 | 650,000 |
| Securities available for sale | 18,246,000 | 16,677,000 | 16,145,000 | 12,868,000 |
| Securities held to maturity | 7,238,000 | 9,626,000 | 10,123,000 | 13,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,471,000 | 93,848,000 | 93,832,000 | 98,011,000 |
| Interest-bearing deposits | 77,640,000 | 78,545,000 | 79,944,000 | 83,036,000 |
| Noninterest-bearing deposits | 14,831,000 | 15,303,000 | 13,888,000 | 14,975,000 |
| Equity capital | 8,666,000 | 8,501,000 | 8,704,000 | 8,712,000 |
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 | 1,478,000 | 2,984,000 | 4,520,000 | 6,045,000 |
| Interest expense | 782,000 | 1,596,000 | 2,448,000 | 3,300,000 |
| Net interest income | 696,000 | 1,388,000 | 2,072,000 | 2,745,000 |
| Noninterest income | 45,000 | 84,000 | 139,000 | 181,000 |
| Noninterest expense | 452,000 | 910,000 | 1,346,000 | 1,925,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 287,000 | 560,000 | 863,000 | 999,000 |
| Income tax | -12,000 | -8,000 | -3,000 | 6,000 |
| Net income | 299,000 | 568,000 | 866,000 | 993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,781,000 | 8,653,000 | 8,735,000 | 8,682,000 |
| Total capital | 9,402,000 | 9,302,000 | 9,393,000 | 9,332,000 |
| Risk-weighted assets | 50,198,000 | 51,923,000 | 53,428,000 | 55,207,000 |