Call reports 2007
NBRS FINANCIAL BANK — 2007
What NBRS FINANCIAL BANK 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 | 186,681,000 | 192,336,000 | 204,346,000 | 207,882,000 |
| Total loans | 154,841,000 | 155,497,000 | 153,384,000 | 163,654,000 |
| Allowance for loan losses | 1,030,000 | 1,006,000 | 1,021,000 | 1,109,000 |
| Securities available for sale | 13,489,000 | 14,973,000 | 17,619,000 | 19,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,851,000 | 162,569,000 | 175,104,000 | 178,152,000 |
| Interest-bearing deposits | 128,642,000 | 124,994,000 | 134,632,000 | 151,063,000 |
| Noninterest-bearing deposits | 25,209,000 | 37,575,000 | 40,472,000 | 27,089,000 |
| Equity capital | 17,598,000 | 18,034,000 | 18,467,000 | 18,797,000 |
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 | 3,283,000 | 6,780,000 | 10,260,000 | 13,666,000 |
| Interest expense | 1,232,000 | 2,515,000 | 3,976,000 | 5,434,000 |
| Net interest income | 2,051,000 | 4,265,000 | 6,284,000 | 8,232,000 |
| Noninterest income | 284,000 | 612,000 | 945,000 | 1,318,000 |
| Noninterest expense | 1,682,000 | 3,381,000 | 5,199,000 | 7,001,000 |
| Provision for loan losses | 5,000 | 5,000 | 45,000 | 220,000 |
| Pretax income | 648,000 | 1,491,000 | 1,985,000 | 2,329,000 |
| Income tax | 228,000 | 526,000 | 680,000 | 785,000 |
| Net income | 420,000 | 965,000 | 1,305,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,455,000 | 16,031,000 | 16,402,000 | 16,672,000 |
| Total capital | 16,485,000 | 17,037,000 | 17,423,000 | 17,781,000 |
| Risk-weighted assets | 159,207,000 | 161,498,000 | 165,109,000 | 173,390,000 |
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