Call reports 2007
ALMENA STATE BANK — 2007
What ALMENA 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 | 13,312,000 | 14,257,000 | 14,594,000 | 15,121,000 |
| Total loans | 10,879,000 | 11,775,000 | 11,507,000 | 12,042,000 |
| Allowance for loan losses | 92,000 | 91,000 | 92,000 | 93,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 813,000 | 814,000 | 714,000 | 714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,183,000 | 13,003,000 | 13,403,000 | 14,005,000 |
| Interest-bearing deposits | 10,163,000 | 11,060,000 | 11,149,000 | 11,530,000 |
| Noninterest-bearing deposits | 2,021,000 | 1,943,000 | 2,254,000 | 2,475,000 |
| Equity capital | 1,053,000 | 1,000,000 | 1,103,000 | 1,053,000 |
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 | 285,000 | 572,000 | 870,000 | 1,162,000 |
| Interest expense | 79,000 | 172,000 | 267,000 | 357,000 |
| Net interest income | 206,000 | 400,000 | 603,000 | 805,000 |
| Noninterest income | 50,000 | 103,000 | 209,000 | 306,000 |
| Noninterest expense | 200,000 | 400,000 | 603,000 | 850,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 56,000 | 103,000 | 209,000 | 261,000 |
| Income tax | 3,000 | 4,000 | 7,000 | 9,000 |
| Net income | 53,000 | 99,000 | 202,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,032,000 | 979,000 | 1,082,000 | 1,032,000 |
| Total capital | 1,124,000 | 1,070,000 | 1,174,000 | 1,125,000 |
| Risk-weighted assets | 11,126,000 | 11,715,000 | 11,987,000 | 12,115,000 |