Call reports 2007
SANDHILLS BANK — 2007
What SANDHILLS 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 | 74,535,000 | 76,852,000 | 75,428,000 | 73,109,000 |
| Total loans | 56,406,000 | 55,326,000 | 54,418,000 | 55,100,000 |
| Allowance for loan losses | 670,000 | 666,000 | 604,000 | 609,000 |
| Securities available for sale | 7,759,000 | 11,601,000 | 8,462,000 | 7,323,000 |
| Securities held to maturity | 3,459,000 | 3,455,000 | 3,451,000 | 3,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,555,000 | 67,054,000 | 67,238,000 | 64,174,000 |
| Interest-bearing deposits | 59,066,000 | 58,647,000 | 59,892,000 | 57,919,000 |
| Noninterest-bearing deposits | 7,489,000 | 8,407,000 | 7,346,000 | 6,255,000 |
| Equity capital | 7,130,000 | 7,069,000 | 7,132,000 | 7,149,000 |
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 | 1,318,000 | 2,712,000 | 4,087,000 | 5,350,000 |
| Interest expense | 654,000 | 1,295,000 | 1,954,000 | 2,593,000 |
| Net interest income | 664,000 | 1,417,000 | 2,133,000 | 2,757,000 |
| Noninterest income | 159,000 | 293,000 | 472,000 | 705,000 |
| Noninterest expense | 629,000 | 1,325,000 | 1,971,000 | 2,560,000 |
| Provision for loan losses | 75,000 | 75,000 | 150,000 | 150,000 |
| Pretax income | 184,000 | 376,000 | 591,000 | 901,000 |
| Income tax | 54,000 | 113,000 | 181,000 | 280,000 |
| Net income | 130,000 | 263,000 | 410,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,125,000 | 7,258,000 | 7,317,000 | 7,479,000 |
| Total capital | 7,795,000 | 7,924,000 | 7,921,000 | 8,088,000 |
| Risk-weighted assets | 63,690,000 | 63,569,000 | 62,193,000 | 63,165,000 |