Call reports 2007
CLARKE COUNTY STATE BANK — 2007
What CLARKE COUNTY 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 | 132,533,000 | 129,998,000 | 134,783,000 | 138,001,000 |
| Total loans | 104,150,000 | 107,535,000 | 110,577,000 | 113,684,000 |
| Allowance for loan losses | 1,339,000 | 1,345,000 | 1,381,000 | 1,462,000 |
| Securities available for sale | 14,504,000 | 11,857,000 | 11,817,000 | 10,845,000 |
| Securities held to maturity | 2,032,000 | 2,024,000 | 1,934,000 | 1,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,477,000 | 104,495,000 | 105,807,000 | 108,716,000 |
| Interest-bearing deposits | 102,415,000 | 99,148,000 | 100,164,000 | 102,801,000 |
| Noninterest-bearing deposits | 5,062,000 | 5,347,000 | 5,643,000 | 5,915,000 |
| Equity capital | 10,173,000 | 10,513,000 | 10,981,000 | 11,172,000 |
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 | 2,196,000 | 4,474,000 | 6,774,000 | 9,200,000 |
| Interest expense | 1,159,000 | 2,326,000 | 3,473,000 | 4,645,000 |
| Net interest income | 1,037,000 | 2,148,000 | 3,301,000 | 4,555,000 |
| Noninterest income | 102,000 | 199,000 | 394,000 | 542,000 |
| Noninterest expense | 624,000 | 1,271,000 | 1,971,000 | 2,691,000 |
| Provision for loan losses | 32,000 | 66,000 | 105,000 | 187,000 |
| Pretax income | 483,000 | 1,010,000 | 1,619,000 | 2,219,000 |
| Income tax | 140,000 | 294,000 | 485,000 | 669,000 |
| Net income | 343,000 | 716,000 | 1,134,000 | 1,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,163,000 | 10,536,000 | 10,954,000 | 11,130,000 |
| Total capital | 11,440,000 | 11,840,000 | 12,310,000 | 12,592,000 |
| Risk-weighted assets | 102,085,000 | 104,288,000 | 108,426,000 | 119,523,000 |