Call reports 2007
JOURDANTON STATE BANK — 2007
What JOURDANTON 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 | 91,244,000 | 87,834,000 | 81,297,000 | 80,379,000 |
| Total loans | 28,840,000 | 27,155,000 | 26,702,000 | 26,793,000 |
| Allowance for loan losses | 432,000 | 483,000 | 502,000 | 526,000 |
| Securities available for sale | 41,791,000 | 41,465,000 | 38,194,000 | 36,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,027,000 | 72,415,000 | 65,169,000 | 64,184,000 |
| Interest-bearing deposits | 52,577,000 | 47,702,000 | 42,245,000 | 41,916,000 |
| Noninterest-bearing deposits | 23,450,000 | 24,713,000 | 22,924,000 | 22,268,000 |
| Equity capital | 14,695,000 | 14,717,000 | 15,253,000 | 15,261,000 |
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 | 1,219,000 | 2,438,000 | 3,571,000 | 4,652,000 |
| Interest expense | 233,000 | 472,000 | 692,000 | 894,000 |
| Net interest income | 986,000 | 1,966,000 | 2,879,000 | 3,758,000 |
| Noninterest income | 452,000 | 957,000 | 1,434,000 | 1,905,000 |
| Noninterest expense | 1,183,000 | 2,362,000 | 3,501,000 | 4,593,000 |
| Provision for loan losses | 26,000 | 52,000 | 78,000 | 107,000 |
| Pretax income | 229,000 | 509,000 | 732,000 | 960,000 |
| Income tax | 35,000 | 79,000 | 104,000 | 137,000 |
| Net income | 194,000 | 430,000 | 628,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,998,000 | 14,256,000 | 14,493,000 | 14,389,000 |
| Total capital | 14,430,000 | 14,739,000 | 14,995,000 | 14,894,000 |
| Risk-weighted assets | 44,739,000 | 43,049,000 | 41,623,000 | 40,358,000 |