Call reports 2007
NBANC — 2007
What NBANC 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 | 176,256,000 | 184,685,000 | 197,585,000 | 206,968,000 |
| Total loans | 133,379,000 | 131,481,000 | 140,195,000 | 156,909,000 |
| Allowance for loan losses | 1,500,000 | 1,523,000 | 1,543,000 | 1,498,000 |
| Securities available for sale | 28,177,000 | 21,721,000 | 13,770,000 | 22,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,115,000 | 162,672,000 | 175,508,000 | 182,476,000 |
| Interest-bearing deposits | 114,788,000 | 116,463,000 | 133,592,000 | 130,122,000 |
| Noninterest-bearing deposits | 40,327,000 | 46,209,000 | 41,916,000 | 52,354,000 |
| Equity capital | 16,479,000 | 16,578,000 | 17,163,000 | 17,385,000 |
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 | 3,258,000 | 6,574,000 | 10,175,000 | 13,580,000 |
| Interest expense | 1,343,000 | 2,659,000 | 4,058,000 | 5,421,000 |
| Net interest income | 1,915,000 | 3,915,000 | 6,117,000 | 8,159,000 |
| Noninterest income | 241,000 | 444,000 | 672,000 | 881,000 |
| Noninterest expense | 1,300,000 | 2,629,000 | 4,093,000 | 5,906,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 140,000 |
| Pretax income | 826,000 | 1,670,000 | 2,616,000 | 2,994,000 |
| Income tax | -15,000 | -25,000 | -25,000 | -25,000 |
| Net income | 841,000 | 1,695,000 | 2,641,000 | 3,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,907,000 | 15,011,000 | 15,582,000 | 15,960,000 |
| Total capital | 16,407,000 | 16,534,000 | 17,125,000 | 17,458,000 |
| Risk-weighted assets | 134,827,000 | 137,448,000 | 145,554,000 | 159,982,000 |