Call reports 2007
FIRST NATIONAL BANK IN STAUNTON, THE — 2007
What FIRST NATIONAL BANK IN STAUNTON, 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 | 393,342,000 | 400,519,000 | 411,071,000 | 413,487,000 |
| Total loans | 261,259,000 | 260,859,000 | 261,160,000 | 270,949,000 |
| Allowance for loan losses | 3,875,000 | 3,872,000 | 3,684,000 | 3,959,000 |
| Securities available for sale | 87,648,000 | 98,281,000 | 110,356,000 | 106,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,239,000 | 337,551,000 | 342,015,000 | 341,778,000 |
| Interest-bearing deposits | 281,302,000 | 286,794,000 | 295,260,000 | 292,168,000 |
| Noninterest-bearing deposits | 49,937,000 | 50,757,000 | 46,755,000 | 49,610,000 |
| Equity capital | 40,392,000 | 39,644,000 | 41,717,000 | 42,832,000 |
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 | 5,617,000 | 11,484,000 | 17,642,000 | 23,746,000 |
| Interest expense | 2,388,000 | 4,975,000 | 7,738,000 | 10,528,000 |
| Net interest income | 3,229,000 | 6,509,000 | 9,904,000 | 13,218,000 |
| Noninterest income | 708,000 | 1,516,000 | 2,329,000 | 3,160,000 |
| Noninterest expense | 2,288,000 | 4,711,000 | 7,266,000 | 9,937,000 |
| Provision for loan losses | 45,000 | 90,000 | 180,000 | 750,000 |
| Pretax income | 1,604,000 | 3,227,000 | 4,789,000 | 5,693,000 |
| Income tax | 19,000 | 38,000 | 56,000 | 61,000 |
| Net income | 1,585,000 | 3,189,000 | 4,733,000 | 5,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,950,000 | 35,305,000 | 36,309,000 | 37,309,000 |
| Total capital | 38,422,000 | 38,763,000 | 39,809,000 | 40,922,000 |
| Risk-weighted assets | 277,340,000 | 276,282,000 | 279,826,000 | 288,673,000 |
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