Call reports 2007
PAYNE COUNTY BANK, THE — 2007
What PAYNE COUNTY BANK, THE 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 | 94,060,000 | 93,193,000 | 94,570,000 | 94,402,000 |
| Total loans | 61,922,000 | 61,770,000 | 61,935,000 | 63,987,000 |
| Allowance for loan losses | 482,000 | 474,000 | 459,000 | 430,000 |
| Securities available for sale | 19,540,000 | 21,434,000 | 23,490,000 | 23,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,720,000 | 75,503,000 | 77,567,000 | 77,314,000 |
| Interest-bearing deposits | 61,624,000 | 60,846,000 | 62,938,000 | 62,819,000 |
| Noninterest-bearing deposits | 15,096,000 | 14,657,000 | 14,629,000 | 14,495,000 |
| Equity capital | 16,810,000 | 17,165,000 | 16,459,000 | 16,890,000 |
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 | 1,585,000 | 3,246,000 | 4,937,000 | 6,651,000 |
| Interest expense | 553,000 | 1,128,000 | 1,731,000 | 2,341,000 |
| Net interest income | 1,032,000 | 2,118,000 | 3,206,000 | 4,310,000 |
| Noninterest income | 222,000 | 429,000 | 645,000 | 862,000 |
| Noninterest expense | 713,000 | 1,378,000 | 2,026,000 | 3,203,000 |
| Provision for loan losses | 25,000 | 50,000 | 85,000 | 145,000 |
| Pretax income | 516,000 | 1,119,000 | 1,740,000 | 1,824,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 516,000 | 1,119,000 | 1,740,000 | 1,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,850,000 | 17,453,000 | 16,473,000 | 16,676,000 |
| Total capital | 17,332,000 | 17,927,000 | 16,932,000 | 17,106,000 |
| Risk-weighted assets | 65,134,000 | 65,425,000 | 65,628,000 | 66,808,000 |