Call reports 2007
STATE BANK OF SAUNEMIN — 2007
What STATE BANK OF SAUNEMIN 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 | 23,578,000 | 22,292,000 | 22,833,000 | 23,298,000 |
| Total loans | 12,076,000 | 12,261,000 | 12,976,000 | 12,728,000 |
| Allowance for loan losses | 204,000 | 203,000 | 197,000 | 198,000 |
| Securities available for sale | 7,197,000 | 7,341,000 | 6,698,000 | 7,254,000 |
| Securities held to maturity | 624,000 | 625,000 | 873,000 | 873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,337,000 | 20,029,000 | 20,252,000 | 20,856,000 |
| Interest-bearing deposits | 18,438,000 | 17,801,000 | 17,739,000 | 18,109,000 |
| Noninterest-bearing deposits | 2,899,000 | 2,228,000 | 2,513,000 | 2,747,000 |
| Equity capital | 2,105,000 | 2,095,000 | 2,206,000 | 2,328,000 |
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 | 345,000 | 677,000 | 1,026,000 | 1,390,000 |
| Interest expense | 154,000 | 302,000 | 463,000 | 625,000 |
| Net interest income | 191,000 | 375,000 | 563,000 | 765,000 |
| Noninterest income | 18,000 | 42,000 | 65,000 | 87,000 |
| Noninterest expense | 155,000 | 292,000 | 439,000 | 604,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 125,000 | 189,000 | 248,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 1,000 |
| Net income | 52,000 | 122,000 | 184,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,143,000 | 2,168,000 | 2,206,000 | 2,269,000 |
| Total capital | 2,318,000 | 2,339,000 | 2,389,000 | 2,450,000 |
| Risk-weighted assets | 13,932,000 | 13,663,000 | 14,615,000 | 14,481,000 |