Call reports 2007
JOHN O. MELBY & CO. BANK — 2007
What JOHN O. MELBY & CO. 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 | 42,861,000 | 44,124,000 | 43,483,000 | 44,381,000 |
| Total loans | 24,423,000 | 25,558,000 | 25,566,000 | 26,579,000 |
| Allowance for loan losses | 287,000 | 289,000 | 291,000 | 286,000 |
| Securities available for sale | 12,765,000 | 12,622,000 | 11,871,000 | 11,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,456,000 | 35,741,000 | 34,897,000 | 35,867,000 |
| Interest-bearing deposits | 31,482,000 | 32,510,000 | 31,856,000 | 32,249,000 |
| Noninterest-bearing deposits | 2,974,000 | 3,231,000 | 3,041,000 | 3,618,000 |
| Equity capital | 7,058,000 | 7,009,000 | 7,208,000 | 7,164,000 |
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 | 612,000 | 1,247,000 | 1,933,000 | 2,594,000 |
| Interest expense | 273,000 | 579,000 | 892,000 | 1,186,000 |
| Net interest income | 339,000 | 668,000 | 1,041,000 | 1,408,000 |
| Noninterest income | 27,000 | 59,000 | 90,000 | 120,000 |
| Noninterest expense | 306,000 | 606,000 | 877,000 | 1,166,000 |
| Provision for loan losses | 1,000 | 2,000 | 4,000 | 5,000 |
| Pretax income | 59,000 | 119,000 | 250,000 | 357,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 8,000 |
| Net income | 57,000 | 116,000 | 245,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,972,000 | 4,009,000 | 4,096,000 | 4,029,000 |
| Total capital | 4,259,000 | 4,298,000 | 4,387,000 | 4,315,000 |
| Risk-weighted assets | 24,238,000 | 25,594,000 | 25,468,000 | 26,544,000 |
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