Call reports 2007
STATE BANK OF CHANDLER — 2007
What STATE BANK OF CHANDLER 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 | 31,848,000 | 31,253,000 | 32,345,000 | 34,094,000 |
| Total loans | 19,588,000 | 21,736,000 | 22,778,000 | 20,870,000 |
| Allowance for loan losses | 423,000 | 422,000 | 431,000 | 440,000 |
| Securities available for sale | 7,044,000 | 7,065,000 | 7,333,000 | 7,619,000 |
| Securities held to maturity | 285,000 | 259,000 | 256,000 | 254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,106,000 | 26,471,000 | 26,806,000 | 29,004,000 |
| Interest-bearing deposits | 22,012,000 | 21,793,000 | 22,852,000 | 22,730,000 |
| Noninterest-bearing deposits | 5,094,000 | 4,678,000 | 3,954,000 | 6,274,000 |
| Equity capital | 3,801,000 | 3,875,000 | 4,024,000 | 3,922,000 |
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 | 504,000 | 1,021,000 | 1,561,000 | 2,099,000 |
| Interest expense | 205,000 | 416,000 | 642,000 | 869,000 |
| Net interest income | 299,000 | 605,000 | 919,000 | 1,230,000 |
| Noninterest income | 31,000 | 66,000 | 101,000 | 136,000 |
| Noninterest expense | 173,000 | 363,000 | 538,000 | 820,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 153,000 | 299,000 | 468,000 | 528,000 |
| Income tax | 51,000 | 101,000 | 159,000 | 175,000 |
| Net income | 102,000 | 198,000 | 309,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,837,000 | 3,933,000 | 4,044,000 | 3,913,000 |
| Total capital | 4,108,000 | 4,227,000 | 4,355,000 | 4,204,000 |
| Risk-weighted assets | 21,559,000 | 23,393,000 | 24,769,000 | 23,177,000 |