Call reports 2007
FIRST NATIONAL BANK OF MERTZON, THE — 2007
What FIRST NATIONAL BANK OF MERTZON, 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 | 153,603,000 | 145,587,000 | 153,813,000 | 159,120,000 |
| Total loans | 33,350,000 | 36,621,000 | 38,335,000 | 40,636,000 |
| Allowance for loan losses | 555,000 | 555,000 | 543,000 | 528,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 96,668,000 | 93,563,000 | 89,531,000 | 97,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,361,000 | 128,970,000 | 136,673,000 | 142,779,000 |
| Interest-bearing deposits | 109,322,000 | 99,441,000 | 107,525,000 | 110,738,000 |
| Noninterest-bearing deposits | 28,039,000 | 29,529,000 | 29,148,000 | 32,041,000 |
| Equity capital | 15,414,000 | 15,855,000 | 16,320,000 | 15,731,000 |
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 | 1,804,000 | 3,606,000 | 5,504,000 | 7,481,000 |
| Interest expense | 640,000 | 1,253,000 | 1,890,000 | 2,541,000 |
| Net interest income | 1,164,000 | 2,353,000 | 3,614,000 | 4,940,000 |
| Noninterest income | 91,000 | 167,000 | 253,000 | 342,000 |
| Noninterest expense | 679,000 | 1,400,000 | 2,092,000 | 3,077,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 576,000 | 1,120,000 | 1,775,000 | 2,205,000 |
| Income tax | 103,000 | 206,000 | 396,000 | 483,000 |
| Net income | 473,000 | 914,000 | 1,379,000 | 1,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,414,000 | 15,855,000 | 16,320,000 | 15,731,000 |
| Total capital | 15,969,000 | 16,410,000 | 16,863,000 | 16,259,000 |
| Risk-weighted assets | 52,541,000 | 55,145,000 | 57,880,000 | 60,956,000 |
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