Call reports 2007
STATE BANK — 2007
What 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 | 242,548,000 | 251,458,000 | 256,718,000 | 269,778,000 |
| Total loans | 156,404,000 | 159,822,000 | 166,906,000 | 176,731,000 |
| Allowance for loan losses | 1,719,000 | 1,779,000 | 1,829,000 | 1,866,000 |
| Securities available for sale | 35,063,000 | 35,235,000 | 31,479,000 | 31,026,000 |
| Securities held to maturity | 24,750,000 | 24,742,000 | 23,464,000 | 24,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,433,000 | 219,518,000 | 223,735,000 | 236,509,000 |
| Interest-bearing deposits | 175,687,000 | 185,007,000 | 190,354,000 | 202,036,000 |
| Noninterest-bearing deposits | 34,745,000 | 34,512,000 | 33,381,000 | 34,472,000 |
| Equity capital | 30,536,000 | 30,405,000 | 31,196,000 | 31,472,000 |
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 | 3,255,000 | 6,730,000 | 10,415,000 | 14,203,000 |
| Interest expense | 1,350,000 | 2,891,000 | 4,590,000 | 6,238,000 |
| Net interest income | 1,905,000 | 3,839,000 | 5,825,000 | 7,965,000 |
| Noninterest income | 597,000 | 1,274,000 | 1,923,000 | 2,594,000 |
| Noninterest expense | 1,799,000 | 3,806,000 | 5,801,000 | 7,829,000 |
| Provision for loan losses | 39,000 | 80,000 | 122,000 | 164,000 |
| Pretax income | 664,000 | 1,227,000 | 1,825,000 | 2,518,000 |
| Income tax | 89,000 | 134,000 | 193,000 | 285,000 |
| Net income | 575,000 | 1,093,000 | 1,632,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,696,000 | 30,714,000 | 31,252,000 | 31,341,000 |
| Total capital | 32,415,000 | 32,493,000 | 33,081,000 | 33,207,000 |
| Risk-weighted assets | 169,083,000 | 177,670,000 | 182,707,000 | 196,379,000 |