Call reports 2007
FIRST NATIONAL BANK OF EMORY, THE — 2007
What FIRST NATIONAL BANK OF EMORY, 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 | 86,415,000 | 84,156,000 | 83,562,000 | 86,993,000 |
| Total loans | 37,974,000 | 39,019,000 | 36,639,000 | 37,510,000 |
| Allowance for loan losses | 529,000 | 532,000 | 527,000 | 516,000 |
| Securities available for sale | 38,240,000 | 35,654,000 | 33,809,000 | 41,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,893,000 | 73,636,000 | 72,425,000 | 76,004,000 |
| Interest-bearing deposits | 59,090,000 | 57,227,000 | 56,386,000 | 59,276,000 |
| Noninterest-bearing deposits | 16,803,000 | 16,409,000 | 16,039,000 | 16,728,000 |
| Equity capital | 8,192,000 | 8,039,000 | 8,616,000 | 8,652,000 |
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 | 1,170,000 | 2,387,000 | 3,598,000 | 4,830,000 |
| Interest expense | 512,000 | 1,024,000 | 1,517,000 | 2,025,000 |
| Net interest income | 658,000 | 1,363,000 | 2,081,000 | 2,805,000 |
| Noninterest income | 164,000 | 344,000 | 523,000 | 706,000 |
| Noninterest expense | 588,000 | 1,187,000 | 1,786,000 | 2,287,000 |
| Provision for loan losses | 18,000 | 36,000 | 55,000 | 109,000 |
| Pretax income | 216,000 | 484,000 | 763,000 | 1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 216,000 | 484,000 | 763,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,998,000 | 8,246,000 | 8,471,000 | 8,282,000 |
| Total capital | 8,507,000 | 8,759,000 | 8,968,000 | 8,760,000 |
| Risk-weighted assets | 40,776,000 | 41,209,000 | 39,791,000 | 40,949,000 |