Call reports 2007
S&C BANK — 2007
What S&C 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 | 406,183,000 | 401,898,000 | 405,415,000 | 404,103,000 |
| Total loans | 301,304,000 | 307,455,000 | 305,269,000 | 309,189,000 |
| Allowance for loan losses | 3,882,000 | 3,926,000 | 3,635,000 | 2,979,000 |
| Securities available for sale | 71,737,000 | 64,862,000 | 64,442,000 | 62,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,204,000 | 327,494,000 | 333,426,000 | 331,851,000 |
| Interest-bearing deposits | 279,826,000 | 271,127,000 | 277,382,000 | 271,419,000 |
| Noninterest-bearing deposits | 52,378,000 | 56,367,000 | 56,044,000 | 60,432,000 |
| Equity capital | 48,147,000 | 48,920,000 | 50,602,000 | 47,694,000 |
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 | 6,625,000 | 13,579,000 | 20,491,000 | 27,196,000 |
| Interest expense | 2,558,000 | 5,153,000 | 7,776,000 | 10,322,000 |
| Net interest income | 4,067,000 | 8,426,000 | 12,715,000 | 16,874,000 |
| Noninterest income | 1,202,000 | 2,507,000 | 3,666,000 | 4,788,000 |
| Noninterest expense | 3,718,000 | 7,543,000 | 11,288,000 | 14,193,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,551,000 | 3,390,000 | 5,093,000 | 7,469,000 |
| Income tax | 490,000 | 1,080,000 | 1,677,000 | 2,516,000 |
| Net income | 1,061,000 | 2,310,000 | 3,416,000 | 4,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,753,000 | 45,015,000 | 46,132,000 | 42,780,000 |
| Total capital | 47,635,000 | 48,941,000 | 49,767,000 | 45,759,000 |
| Risk-weighted assets | 312,589,000 | 315,171,000 | 319,143,000 | 319,601,000 |