Call reports 2007
FIRST NATIONAL BANK OF SPEARVILLE — 2007
What FIRST NATIONAL BANK OF SPEARVILLE 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 | 23,038,000 | 21,882,000 | 21,701,000 | 22,487,000 |
| Total loans | 13,291,000 | 13,970,000 | 13,146,000 | 14,398,000 |
| Allowance for loan losses | 289,000 | 290,000 | 283,000 | 292,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,592,000 | 3,699,000 | 3,898,000 | 3,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,223,000 | 17,032,000 | 16,790,000 | 17,496,000 |
| Interest-bearing deposits | 15,734,000 | 14,579,000 | 14,563,000 | 15,137,000 |
| Noninterest-bearing deposits | 2,489,000 | 2,453,000 | 2,226,000 | 2,359,000 |
| Equity capital | 4,635,000 | 4,624,000 | 4,629,000 | 4,627,000 |
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 | 392,000 | 765,000 | 1,128,000 | 1,501,000 |
| Interest expense | 131,000 | 268,000 | 420,000 | 573,000 |
| Net interest income | 261,000 | 497,000 | 708,000 | 928,000 |
| Noninterest income | 25,000 | 75,000 | 146,000 | 398,000 |
| Noninterest expense | 147,000 | 310,000 | 452,000 | 644,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 262,000 | 402,000 | 682,000 |
| Income tax | 43,000 | 87,000 | 132,000 | 219,000 |
| Net income | 96,000 | 175,000 | 270,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,198,000 | 3,195,000 | 3,206,000 | 3,212,000 |
| Total capital | 3,392,000 | 3,394,000 | 3,392,000 | 3,418,000 |
| Risk-weighted assets | 15,442,000 | 15,859,000 | 15,341,000 | 16,392,000 |
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