Call reports 2007
LINDALE STATE BANK — 2007
What LINDALE 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 | 89,369,000 | 92,528,000 | 86,410,000 | 90,479,000 |
| Total loans | 56,480,000 | 59,341,000 | 60,020,000 | 61,092,000 |
| Allowance for loan losses | 886,000 | 915,000 | 948,000 | 888,000 |
| Securities available for sale | 19,234,000 | 19,870,000 | 18,812,000 | 17,698,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,192,000 | 82,341,000 | 75,888,000 | 79,642,000 |
| Interest-bearing deposits | 61,111,000 | 64,187,000 | 59,190,000 | 61,031,000 |
| Noninterest-bearing deposits | 18,081,000 | 18,154,000 | 16,698,000 | 18,611,000 |
| Equity capital | 9,558,000 | 9,728,000 | 9,990,000 | 10,347,000 |
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 | 1,264,000 | 2,588,000 | 3,930,000 | 5,213,000 |
| Interest expense | 454,000 | 931,000 | 1,445,000 | 1,967,000 |
| Net interest income | 810,000 | 1,657,000 | 2,485,000 | 3,246,000 |
| Noninterest income | 200,000 | 415,000 | 640,000 | 887,000 |
| Noninterest expense | 588,000 | 1,190,000 | 1,827,000 | 2,409,000 |
| Provision for loan losses | 34,000 | 68,000 | 101,000 | 138,000 |
| Pretax income | 388,000 | 814,000 | 1,197,000 | 1,586,000 |
| Income tax | 132,000 | 277,000 | 407,000 | 529,000 |
| Net income | 256,000 | 537,000 | 790,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,555,000 | 9,836,000 | 9,964,000 | 10,231,000 |
| Total capital | 10,351,000 | 10,665,000 | 10,781,000 | 11,063,000 |
| Risk-weighted assets | 62,790,000 | 65,473,000 | 64,449,000 | 66,336,000 |