Call reports 2007
STROUD NATIONAL BANK — 2007
What STROUD NATIONAL 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 | 64,338,000 | 66,727,000 | 67,035,000 | 67,496,000 |
| Total loans | 42,507,000 | 45,200,000 | 44,968,000 | 46,611,000 |
| Allowance for loan losses | 421,000 | 453,000 | 452,000 | 467,000 |
| Securities available for sale | 14,103,000 | 14,255,000 | 15,096,000 | 15,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,931,000 | 50,565,000 | 51,521,000 | 51,622,000 |
| Interest-bearing deposits | 41,405,000 | 41,217,000 | 41,740,000 | 41,769,000 |
| Noninterest-bearing deposits | 9,526,000 | 9,348,000 | 9,781,000 | 9,853,000 |
| Equity capital | 5,140,000 | 4,950,000 | 5,253,000 | 5,510,000 |
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 | 1,087,000 | 2,233,000 | 3,426,000 | 4,618,000 |
| Interest expense | 412,000 | 842,000 | 1,320,000 | 1,799,000 |
| Net interest income | 675,000 | 1,391,000 | 2,106,000 | 2,819,000 |
| Noninterest income | 174,000 | 367,000 | 579,000 | 834,000 |
| Noninterest expense | 644,000 | 1,326,000 | 1,986,000 | 2,688,000 |
| Provision for loan losses | 3,000 | 32,000 | 30,000 | 56,000 |
| Pretax income | 202,000 | 398,000 | 667,000 | 907,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 202,000 | 398,000 | 667,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,212,000 | 5,203,000 | 5,370,000 | 5,507,000 |
| Total capital | 5,633,000 | 5,657,000 | 5,822,000 | 5,974,000 |
| Risk-weighted assets | 45,542,000 | 48,607,000 | 46,311,000 | 48,053,000 |