Call reports 2007
FIRST NATIONAL BANK OF NIAGARA, THE — 2007
What FIRST NATIONAL BANK OF NIAGARA, THE 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 | 65,866,000 | 66,705,000 | 66,316,000 | 64,381,000 |
| Total loans | 47,019,000 | 48,144,000 | 49,727,000 | 49,400,000 |
| Allowance for loan losses | 487,000 | 471,000 | 483,000 | 375,000 |
| Securities available for sale | 9,545,000 | 10,476,000 | 9,099,000 | 5,113,000 |
| Securities held to maturity | 4,254,000 | 4,252,000 | 4,251,000 | 4,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,781,000 | 53,428,000 | 52,797,000 | 51,815,000 |
| Interest-bearing deposits | 49,125,000 | 48,720,000 | 48,486,000 | 47,701,000 |
| Noninterest-bearing deposits | 4,656,000 | 4,708,000 | 4,311,000 | 4,114,000 |
| Equity capital | 9,126,000 | 9,225,000 | 9,433,000 | 9,598,000 |
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 | 1,064,000 | 2,172,000 | 3,319,000 | 4,420,000 |
| Interest expense | 436,000 | 878,000 | 1,351,000 | 1,804,000 |
| Net interest income | 628,000 | 1,294,000 | 1,968,000 | 2,616,000 |
| Noninterest income | 68,000 | 137,000 | 199,000 | 308,000 |
| Noninterest expense | 522,000 | 1,027,000 | 1,551,000 | 2,066,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 159,000 | 374,000 | 571,000 | 798,000 |
| Income tax | 50,000 | 120,000 | 184,000 | 254,000 |
| Net income | 109,000 | 254,000 | 387,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,182,000 | 9,319,000 | 9,446,000 | 9,598,000 |
| Total capital | 9,669,000 | 9,790,000 | 9,929,000 | 9,973,000 |
| Risk-weighted assets | 41,250,000 | 42,536,000 | 43,470,000 | 43,432,000 |
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