Call reports 2007
FIRST NATIONAL BANK OF AVA, THE — 2007
What FIRST NATIONAL BANK OF AVA, 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 | 46,371,000 | 46,354,000 | 48,267,000 | 47,668,000 |
| Total loans | 30,343,000 | 31,551,000 | 32,526,000 | 32,421,000 |
| Allowance for loan losses | 567,000 | 580,000 | 572,000 | 575,000 |
| Securities available for sale | 12,220,000 | 12,602,000 | 13,001,000 | 13,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,432,000 | 40,589,000 | 41,711,000 | 41,282,000 |
| Interest-bearing deposits | 35,810,000 | 35,881,000 | 36,458,000 | 36,774,000 |
| Noninterest-bearing deposits | 4,622,000 | 4,708,000 | 5,253,000 | 4,508,000 |
| Equity capital | 5,571,000 | 5,526,000 | 5,724,000 | 5,817,000 |
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 | 758,000 | 1,534,000 | 2,347,000 | 3,162,000 |
| Interest expense | 306,000 | 629,000 | 958,000 | 1,300,000 |
| Net interest income | 452,000 | 905,000 | 1,389,000 | 1,862,000 |
| Noninterest income | 68,000 | 103,000 | 147,000 | 186,000 |
| Noninterest expense | 300,000 | 578,000 | 904,000 | 1,255,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 220,000 | 430,000 | 623,000 | 784,000 |
| Income tax | 68,000 | 130,000 | 186,000 | 225,000 |
| Net income | 152,000 | 300,000 | 437,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,543,000 | 5,630,000 | 5,700,000 | 5,710,000 |
| Total capital | 5,925,000 | 5,989,000 | 6,109,000 | 6,117,000 |
| Risk-weighted assets | 30,305,000 | 28,469,000 | 32,449,000 | 32,175,000 |