Call reports 2007
FALLS CITY NATIONAL BANK, THE — 2007
What FALLS CITY NATIONAL BANK, 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 | 119,129,000 | 115,933,000 | 117,343,000 | 124,767,000 |
| Total loans | 69,750,000 | 71,618,000 | 75,559,000 | 74,817,000 |
| Allowance for loan losses | 369,000 | 404,000 | 626,000 | 774,000 |
| Securities available for sale | 2,544,000 | 2,591,000 | 2,295,000 | 1,919,000 |
| Securities held to maturity | 23,637,000 | 25,768,000 | 22,891,000 | 26,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,393,000 | 99,680,000 | 100,829,000 | 108,432,000 |
| Interest-bearing deposits | 82,599,000 | 78,917,000 | 76,563,000 | 86,266,000 |
| Noninterest-bearing deposits | 20,794,000 | 20,763,000 | 24,266,000 | 22,165,000 |
| Equity capital | 14,912,000 | 15,644,000 | 15,901,000 | 15,684,000 |
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 | 2,228,000 | 4,518,000 | 6,829,000 | 9,252,000 |
| Interest expense | 691,000 | 1,438,000 | 2,190,000 | 2,983,000 |
| Net interest income | 1,537,000 | 3,080,000 | 4,639,000 | 6,269,000 |
| Noninterest income | 83,000 | 166,000 | 264,000 | 358,000 |
| Noninterest expense | 545,000 | 1,074,000 | 1,673,000 | 2,433,000 |
| Provision for loan losses | 100,000 | 135,000 | 360,000 | 885,000 |
| Pretax income | 975,000 | 2,037,000 | 2,870,000 | 3,309,000 |
| Income tax | 263,000 | 581,000 | 767,000 | 1,029,000 |
| Net income | 712,000 | 1,456,000 | 2,103,000 | 2,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,923,000 | 15,668,000 | 15,914,000 | 15,692,000 |
| Total capital | 15,292,000 | 16,072,000 | 16,540,000 | 16,466,000 |
| Risk-weighted assets | 71,936,000 | 73,321,000 | 76,786,000 | 77,651,000 |