Call reports 2007
STATE BANK OF SCHALLER — 2007
What STATE BANK OF SCHALLER 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 | 16,917,000 | 17,914,000 | 17,979,000 | 16,847,000 |
| Total loans | 8,171,000 | 7,945,000 | 8,231,000 | 8,101,000 |
| Allowance for loan losses | 233,000 | 211,000 | 246,000 | 245,000 |
| Securities available for sale | 1,264,000 | 1,837,000 | 2,189,000 | 2,230,000 |
| Securities held to maturity | 5,300,000 | 5,800,000 | 5,931,000 | 5,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,728,000 | 15,638,000 | 14,563,000 | 14,552,000 |
| Interest-bearing deposits | 12,700,000 | 13,842,000 | 12,541,000 | 12,990,000 |
| Noninterest-bearing deposits | 2,028,000 | 1,796,000 | 2,022,000 | 1,562,000 |
| Equity capital | 2,079,000 | 2,139,000 | 2,238,000 | 2,108,000 |
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 | 256,000 | 528,000 | 787,000 | 1,040,000 |
| Interest expense | 89,000 | 180,000 | 277,000 | 370,000 |
| Net interest income | 167,000 | 348,000 | 510,000 | 670,000 |
| Noninterest income | 83,000 | 167,000 | 251,000 | 563,000 |
| Noninterest expense | 155,000 | 301,000 | 450,000 | 714,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 214,000 | 311,000 | 519,000 |
| Income tax | 21,000 | 67,000 | 105,000 | 172,000 |
| Net income | 74,000 | 147,000 | 206,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,073,000 | 2,142,000 | 2,204,000 | 2,045,000 |
| Total capital | 2,213,000 | 2,282,000 | 2,348,000 | 2,180,000 |
| Risk-weighted assets | 11,089,000 | 11,167,000 | 11,392,000 | 10,722,000 |