Call reports 2007
STOCK EXCHANGE BANK, THE — 2007
What STOCK EXCHANGE 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 | 141,792,000 | 140,089,000 | 139,567,000 | 145,176,000 |
| Total loans | 51,291,000 | 51,859,000 | 51,778,000 | 55,419,000 |
| Allowance for loan losses | 721,000 | 743,000 | 733,000 | 589,000 |
| Securities available for sale | 32,057,000 | 30,423,000 | 28,734,000 | 26,928,000 |
| Securities held to maturity | 35,480,000 | 36,865,000 | 39,150,000 | 38,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,252,000 | 119,027,000 | 117,781,000 | 123,971,000 |
| Interest-bearing deposits | 95,796,000 | 94,864,000 | 91,671,000 | 95,475,000 |
| Noninterest-bearing deposits | 25,456,000 | 24,163,000 | 26,110,000 | 28,496,000 |
| Equity capital | 19,740,000 | 20,146,000 | 20,721,000 | 20,464,000 |
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 | 1,848,000 | 3,721,000 | 5,605,000 | 7,472,000 |
| Interest expense | 571,000 | 1,168,000 | 1,757,000 | 2,325,000 |
| Net interest income | 1,277,000 | 2,553,000 | 3,848,000 | 5,147,000 |
| Noninterest income | 311,000 | 658,000 | 976,000 | 1,300,000 |
| Noninterest expense | 1,003,000 | 1,938,000 | 2,957,000 | 4,115,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 570,000 | 1,243,000 | 1,822,000 | 2,272,000 |
| Income tax | 200,000 | 400,000 | 610,000 | 606,000 |
| Net income | 370,000 | 843,000 | 1,212,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,056,000 | 20,529,000 | 20,898,000 | 20,451,000 |
| Total capital | 20,777,000 | 21,272,000 | 21,631,000 | 21,040,000 |
| Risk-weighted assets | 72,514,000 | 73,792,000 | 74,387,000 | 78,408,000 |