Call reports 2007
BIPPUS STATE BANK, THE — 2007
What BIPPUS STATE 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 | 102,061,000 | 104,715,000 | 107,479,000 | 108,601,000 |
| Total loans | 73,516,000 | 75,796,000 | 74,902,000 | 74,010,000 |
| Allowance for loan losses | 816,000 | 729,000 | 716,000 | 487,000 |
| Securities available for sale | 19,544,000 | 19,307,000 | 20,025,000 | 23,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,708,000 | 85,337,000 | 87,555,000 | 87,492,000 |
| Interest-bearing deposits | 77,983,000 | 75,818,000 | 79,231,000 | 78,549,000 |
| Noninterest-bearing deposits | 6,725,000 | 9,519,000 | 8,325,000 | 8,943,000 |
| Equity capital | 8,772,000 | 8,715,000 | 9,065,000 | 9,326,000 |
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 | 1,596,000 | 3,273,000 | 4,932,000 | 6,607,000 |
| Interest expense | 769,000 | 1,532,000 | 2,328,000 | 3,129,000 |
| Net interest income | 827,000 | 1,741,000 | 2,604,000 | 3,478,000 |
| Noninterest income | 438,000 | 854,000 | 1,279,000 | 1,698,000 |
| Noninterest expense | 1,019,000 | 2,061,000 | 3,080,000 | 4,102,000 |
| Provision for loan losses | 95,000 | 124,000 | 137,000 | 86,000 |
| Pretax income | 151,000 | 410,000 | 661,000 | 797,000 |
| Income tax | 33,000 | 86,000 | 148,000 | 164,000 |
| Net income | 118,000 | 324,000 | 513,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,197,000 | 8,393,000 | 8,566,000 | 8,661,000 |
| Total capital | 9,013,000 | 9,122,000 | 9,282,000 | 9,148,000 |
| Risk-weighted assets | 78,629,000 | 81,005,000 | 80,312,000 | 78,038,000 |