Call reports 2007
RANDOLPH NATIONAL BANK — 2007
What RANDOLPH NATIONAL 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 | 131,262,000 | 128,722,000 | 131,123,000 | 131,693,000 |
| Total loans | 104,170,000 | 104,891,000 | 103,177,000 | 107,373,000 |
| Allowance for loan losses | 1,432,000 | 1,436,000 | 1,423,000 | 1,414,000 |
| Securities available for sale | 7,355,000 | 8,845,000 | 10,926,000 | 7,988,000 |
| Securities held to maturity | 2,485,000 | 2,394,000 | 2,320,000 | 1,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,897,000 | 109,318,000 | 111,105,000 | 111,430,000 |
| Interest-bearing deposits | 87,804,000 | 84,830,000 | 86,017,000 | 86,704,000 |
| Noninterest-bearing deposits | 23,093,000 | 24,488,000 | 25,088,000 | 24,726,000 |
| Equity capital | 13,108,000 | 13,152,000 | 13,450,000 | 13,134,000 |
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 | 2,177,000 | 4,360,000 | 6,564,000 | 8,792,000 |
| Interest expense | 625,000 | 1,205,000 | 1,764,000 | 2,348,000 |
| Net interest income | 1,552,000 | 3,155,000 | 4,800,000 | 6,444,000 |
| Noninterest income | 156,000 | 328,000 | 495,000 | 642,000 |
| Noninterest expense | 1,450,000 | 2,970,000 | 4,413,000 | 5,912,000 |
| Provision for loan losses | 30,000 | 40,000 | 55,000 | 55,000 |
| Pretax income | 228,000 | 473,000 | 827,000 | 1,119,000 |
| Income tax | 79,000 | 121,000 | 227,000 | 293,000 |
| Net income | 149,000 | 352,000 | 600,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,190,000 | 13,239,000 | 13,486,000 | 12,768,000 |
| Total capital | 14,313,000 | 14,374,000 | 14,609,000 | 13,911,000 |
| Risk-weighted assets | 89,609,000 | 90,474,000 | 89,529,000 | 91,129,000 |
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