Call reports 2007
LANGFORD STATE BANK — 2007
What LANGFORD 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 | 11,222,000 | 11,106,000 | 11,077,000 | 11,113,000 |
| Total loans | 4,485,000 | 4,753,000 | 4,694,000 | 4,639,000 |
| Allowance for loan losses | 262,000 | 265,000 | 265,000 | 265,000 |
| Securities available for sale | 6,373,000 | 5,782,000 | 5,544,000 | 5,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,471,000 | 8,023,000 | 8,564,000 | 8,546,000 |
| Interest-bearing deposits | 7,092,000 | 7,041,000 | 7,206,000 | 7,179,000 |
| Noninterest-bearing deposits | 1,379,000 | 982,000 | 1,358,000 | 1,367,000 |
| Equity capital | 2,412,000 | 2,389,000 | 2,466,000 | 2,520,000 |
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 | 167,000 | 333,000 | 501,000 | 669,000 |
| Interest expense | 40,000 | 84,000 | 128,000 | 169,000 |
| Net interest income | 127,000 | 249,000 | 373,000 | 500,000 |
| Noninterest income | 4,000 | 9,000 | 13,000 | 17,000 |
| Noninterest expense | 85,000 | 168,000 | 256,000 | 358,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 90,000 | 130,000 | 159,000 |
| Income tax | 11,000 | 25,000 | 38,000 | 49,000 |
| Net income | 35,000 | 65,000 | 92,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,454,000 | 2,484,000 | 2,510,000 | 2,528,000 |
| Total capital | 2,531,000 | 2,564,000 | 2,589,000 | 2,606,000 |
| Risk-weighted assets | 5,940,000 | 6,195,000 | 6,129,000 | 6,035,000 |