Call reports 2007
RNB STATE BANK — 2007
What RNB 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 | 142,099,000 | 151,768,000 | 153,445,000 | 158,521,000 |
| Total loans | 105,597,000 | 104,575,000 | 106,629,000 | 114,384,000 |
| Allowance for loan losses | 988,000 | 1,011,000 | 1,228,000 | 1,228,000 |
| Securities available for sale | 26,901,000 | 28,565,000 | 30,614,000 | 32,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,288,000 | 134,369,000 | 134,705,000 | 128,970,000 |
| Interest-bearing deposits | 108,569,000 | 108,351,000 | 114,659,000 | 109,967,000 |
| Noninterest-bearing deposits | 17,719,000 | 26,018,000 | 20,047,000 | 19,003,000 |
| Equity capital | 13,434,000 | 13,725,000 | 14,156,000 | 14,560,000 |
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 | 2,508,000 | 5,163,000 | 7,872,000 | 10,602,000 |
| Interest expense | 735,000 | 1,565,000 | 2,438,000 | 3,341,000 |
| Net interest income | 1,773,000 | 3,598,000 | 5,434,000 | 7,261,000 |
| Noninterest income | 198,000 | 423,000 | 659,000 | 898,000 |
| Noninterest expense | 1,188,000 | 2,408,000 | 3,687,000 | 5,079,000 |
| Provision for loan losses | 70,000 | 95,000 | 115,000 | 115,000 |
| Pretax income | 713,000 | 1,518,000 | 2,291,000 | 2,965,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 713,000 | 1,518,000 | 2,291,000 | 2,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,222,000 | 13,626,000 | 13,800,000 | 14,074,000 |
| Total capital | 14,210,000 | 14,639,000 | 15,028,000 | 15,302,000 |
| Risk-weighted assets | 116,319,000 | 118,384,000 | 120,069,000 | 125,424,000 |