Call reports 2007
FIRST NATIONAL BANK IN PHILIP — 2007
What FIRST NATIONAL BANK IN PHILIP 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 | 117,459,000 | 122,283,000 | 122,429,000 | 121,255,000 |
| Total loans | 82,462,000 | 86,746,000 | 82,805,000 | 81,781,000 |
| Allowance for loan losses | 1,197,000 | 1,205,000 | 1,211,000 | 1,214,000 |
| Securities available for sale | 12,723,000 | 13,078,000 | 14,659,000 | 16,694,000 |
| Securities held to maturity | 8,778,000 | 8,569,000 | 8,541,000 | 8,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,128,000 | 99,471,000 | 96,560,000 | 100,857,000 |
| Interest-bearing deposits | 83,661,000 | 88,784,000 | 84,368,000 | 86,991,000 |
| Noninterest-bearing deposits | 11,467,000 | 10,687,000 | 12,191,000 | 13,866,000 |
| Equity capital | 18,067,000 | 18,055,000 | 18,300,000 | 18,456,000 |
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 | 2,063,000 | 4,192,000 | 6,352,000 | 8,307,000 |
| Interest expense | 935,000 | 1,931,000 | 2,935,000 | 3,783,000 |
| Net interest income | 1,128,000 | 2,261,000 | 3,417,000 | 4,524,000 |
| Noninterest income | 183,000 | 357,000 | 528,000 | 702,000 |
| Noninterest expense | 675,000 | 1,368,000 | 2,088,000 | 2,751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 636,000 | 1,250,000 | 1,857,000 | 2,475,000 |
| Income tax | 180,000 | 354,000 | 523,000 | 800,000 |
| Net income | 456,000 | 896,000 | 1,334,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,134,000 | 18,274,000 | 18,412,000 | 18,453,000 |
| Total capital | 19,331,000 | 19,479,000 | 19,623,000 | 19,614,000 |
| Risk-weighted assets | 99,203,000 | 104,553,000 | 101,602,000 | 92,813,000 |
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