Call reports 2007
FIRST NATIONAL BANK AMES, IOWA — 2007
What FIRST NATIONAL BANK AMES, IOWA 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 | 440,772,000 | 434,070,000 | 445,953,000 | 466,908,000 |
| Total loans | 218,409,000 | 214,573,000 | 228,097,000 | 230,256,000 |
| Allowance for loan losses | 3,183,000 | 3,182,000 | 3,065,000 | 2,671,000 |
| Securities available for sale | 180,539,000 | 182,285,000 | 176,362,000 | 188,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,619,000 | 349,319,000 | 326,600,000 | 388,924,000 |
| Interest-bearing deposits | 299,500,000 | 299,352,000 | 277,741,000 | 332,872,000 |
| Noninterest-bearing deposits | 48,120,000 | 49,967,000 | 48,859,000 | 56,052,000 |
| Equity capital | 41,488,000 | 40,234,000 | 41,139,000 | 41,394,000 |
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 | 5,672,000 | 11,598,000 | 17,595,000 | 23,707,000 |
| Interest expense | 2,858,000 | 5,860,000 | 8,952,000 | 11,812,000 |
| Net interest income | 2,814,000 | 5,738,000 | 8,643,000 | 11,895,000 |
| Noninterest income | 730,000 | 1,874,000 | 2,669,000 | 3,548,000 |
| Noninterest expense | 1,762,000 | 3,641,000 | 5,577,000 | 7,541,000 |
| Provision for loan losses | 10,000 | 10,000 | -96,000 | -83,000 |
| Pretax income | 1,772,000 | 3,961,000 | 5,831,000 | 7,992,000 |
| Income tax | 455,000 | 1,040,000 | 1,560,000 | 2,105,000 |
| Net income | 1,317,000 | 2,921,000 | 4,271,000 | 5,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,821,000 | 41,426,000 | 41,212,000 | 41,006,000 |
| Total capital | 44,144,000 | 44,753,000 | 44,540,000 | 43,796,000 |
| Risk-weighted assets | 305,473,000 | 306,509,000 | 326,891,000 | 338,108,000 |
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