Call reports 2007
CHESTATEE STATE BANK — 2007
What CHESTATEE 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 | 314,371,000 | 318,798,000 | 317,569,000 | 304,942,000 |
| Total loans | 264,185,000 | 277,854,000 | 265,810,000 | 262,377,000 |
| Allowance for loan losses | 3,937,000 | 4,251,000 | 4,526,000 | 9,068,000 |
| Securities available for sale | 18,501,000 | 17,098,000 | 21,934,000 | 21,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,374,000 | 283,401,000 | 281,234,000 | 271,614,000 |
| Interest-bearing deposits | 248,666,000 | 257,347,000 | 256,766,000 | 250,833,000 |
| Noninterest-bearing deposits | 29,708,000 | 26,054,000 | 24,468,000 | 20,781,000 |
| Equity capital | 28,005,000 | 28,820,000 | 29,633,000 | 26,898,000 |
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 | 6,121,000 | 12,515,000 | 18,898,000 | 24,510,000 |
| Interest expense | 2,835,000 | 5,846,000 | 9,018,000 | 12,059,000 |
| Net interest income | 3,286,000 | 6,669,000 | 9,880,000 | 12,451,000 |
| Noninterest income | 216,000 | 446,000 | 672,000 | 967,000 |
| Noninterest expense | 2,004,000 | 3,990,000 | 5,939,000 | 7,476,000 |
| Provision for loan losses | 209,000 | 517,000 | 884,000 | 5,634,000 |
| Pretax income | 1,289,000 | 2,608,000 | 3,729,000 | 308,000 |
| Income tax | 461,000 | 932,000 | 1,333,000 | -18,000 |
| Net income | 828,000 | 1,676,000 | 2,396,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,154,000 | 29,003,000 | 29,721,000 | 26,877,000 |
| Total capital | 31,797,000 | 32,779,000 | 33,421,000 | 30,498,000 |
| Risk-weighted assets | 291,254,000 | 301,620,000 | 295,183,000 | 284,235,000 |