Call reports 2007
FIRST NATIONAL BANK OF CARMI, THE — 2007
What FIRST NATIONAL BANK OF CARMI, 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 | 229,173,000 | 230,903,000 | 236,938,000 | 241,016,000 |
| Total loans | 136,508,000 | 139,813,000 | 142,389,000 | 148,881,000 |
| Allowance for loan losses | 1,734,000 | 1,775,000 | 1,585,000 | 1,667,000 |
| Securities available for sale | 50,210,000 | 57,491,000 | 62,070,000 | 57,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,475,000 | 209,307,000 | 214,614,000 | 218,221,000 |
| Interest-bearing deposits | 177,594,000 | 187,667,000 | 194,944,000 | 203,600,000 |
| Noninterest-bearing deposits | 29,881,000 | 21,640,000 | 19,670,000 | 14,621,000 |
| Equity capital | 20,175,000 | 20,266,000 | 20,633,000 | 21,137,000 |
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 | 3,553,000 | 7,216,000 | 10,958,000 | 14,687,000 |
| Interest expense | 1,626,000 | 3,361,000 | 5,193,000 | 6,971,000 |
| Net interest income | 1,927,000 | 3,855,000 | 5,765,000 | 7,716,000 |
| Noninterest income | 590,000 | 1,210,000 | 1,862,000 | 2,519,000 |
| Noninterest expense | 1,783,000 | 3,702,000 | 5,576,000 | 7,862,000 |
| Provision for loan losses | -18,000 | -40,000 | 68,000 | 182,000 |
| Pretax income | 752,000 | 1,403,000 | 1,983,000 | 2,191,000 |
| Income tax | 232,000 | 430,000 | 602,000 | 651,000 |
| Net income | 520,000 | 973,000 | 1,381,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,617,000 | 18,124,000 | 18,201,000 | 18,298,000 |
| Total capital | 19,351,000 | 19,899,000 | 19,786,000 | 19,965,000 |
| Risk-weighted assets | 149,018,000 | 151,469,000 | 169,484,000 | 160,907,000 |
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