Call reports 2007
SMALL TOWN BANK — 2007
What SMALL TOWN 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 | 203,146,000 | 210,664,000 | 217,179,000 | 219,017,000 |
| Total loans | 128,204,000 | 133,258,000 | 135,227,000 | 138,146,000 |
| Allowance for loan losses | 1,822,000 | 1,872,000 | 1,925,000 | 1,921,000 |
| Securities available for sale | 54,767,000 | 60,254,000 | 60,946,000 | 63,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,706,000 | 170,749,000 | 175,580,000 | 176,221,000 |
| Interest-bearing deposits | 149,248,000 | 155,513,000 | 162,411,000 | 163,745,000 |
| Noninterest-bearing deposits | 13,457,000 | 15,236,000 | 13,169,000 | 12,476,000 |
| Equity capital | 22,800,000 | 22,419,000 | 23,794,000 | 24,628,000 |
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 | 3,562,000 | 7,322,000 | 11,231,000 | 15,133,000 |
| Interest expense | 1,660,000 | 3,472,000 | 5,386,000 | 7,327,000 |
| Net interest income | 1,902,000 | 3,850,000 | 5,845,000 | 7,806,000 |
| Noninterest income | 294,000 | 621,000 | 925,000 | 1,300,000 |
| Noninterest expense | 991,000 | 2,106,000 | 3,191,000 | 4,405,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 345,000 |
| Pretax income | 1,115,000 | 2,221,000 | 3,345,000 | 4,392,000 |
| Income tax | 276,000 | 550,000 | 823,000 | 1,054,000 |
| Net income | 839,000 | 1,671,000 | 2,522,000 | 3,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,188,000 | 20,495,000 | 21,277,000 | 21,570,000 |
| Total capital | 21,984,000 | 22,367,000 | 23,202,000 | 23,491,000 |
| Risk-weighted assets | 143,648,000 | 152,115,000 | 154,612,000 | 158,185,000 |