Call reports 2007
FIRST NATIONAL BANK OF DECATUR COUNTY — 2007
What FIRST NATIONAL BANK OF DECATUR COUNTY 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 | 95,870,000 | 75,527,000 | 81,024,000 | 93,829,000 |
| Total loans | 52,539,000 | 55,890,000 | 58,590,000 | 58,234,000 |
| Allowance for loan losses | 623,000 | 675,000 | 710,000 | 724,000 |
| Securities available for sale | 5,079,000 | 4,370,000 | 3,762,000 | 7,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,150,000 | 67,645,000 | 72,759,000 | 85,250,000 |
| Interest-bearing deposits | 79,012,000 | 60,123,000 | 65,896,000 | 67,143,000 |
| Noninterest-bearing deposits | 9,138,000 | 7,522,000 | 6,863,000 | 18,107,000 |
| Equity capital | 7,111,000 | 7,374,000 | 7,641,000 | 7,886,000 |
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 | 1,554,000 | 3,198,000 | 4,740,000 | 6,293,000 |
| Interest expense | 853,000 | 1,634,000 | 2,381,000 | 3,171,000 |
| Net interest income | 701,000 | 1,564,000 | 2,359,000 | 3,122,000 |
| Noninterest income | 161,000 | 209,000 | 319,000 | 414,000 |
| Noninterest expense | 459,000 | 881,000 | 1,328,000 | 1,802,000 |
| Provision for loan losses | 55,000 | 115,000 | 195,000 | 268,000 |
| Pretax income | 348,000 | 777,000 | 1,163,000 | 1,474,000 |
| Income tax | 137,000 | 297,000 | 447,000 | 559,000 |
| Net income | 211,000 | 480,000 | 716,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,136,000 | 7,411,000 | 7,653,000 | 7,870,000 |
| Total capital | 7,759,000 | 8,086,000 | 8,363,000 | 8,594,000 |
| Risk-weighted assets | 60,610,000 | 59,215,000 | 62,863,000 | 64,261,000 |