Call reports 2007
FIRST NATIONAL BANK AND TRUST — 2007
What FIRST NATIONAL BANK AND TRUST 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 | 137,098,000 | 136,577,000 | 140,816,000 | 146,473,000 |
| Total loans | 85,773,000 | 91,618,000 | 95,107,000 | 92,788,000 |
| Allowance for loan losses | 1,070,000 | 1,077,000 | 1,111,000 | 1,120,000 |
| Securities available for sale | 9,151,000 | 28,641,000 | 28,156,000 | 28,505,000 |
| Securities held to maturity | 22,385,000 | 837,000 | 798,000 | 257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,893,000 | 111,794,000 | 115,486,000 | 122,436,000 |
| Interest-bearing deposits | 86,200,000 | 84,855,000 | 90,743,000 | 95,586,000 |
| Noninterest-bearing deposits | 26,693,000 | 26,939,000 | 24,743,000 | 26,850,000 |
| Equity capital | 15,630,000 | 14,589,000 | 15,155,000 | 15,339,000 |
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 | 2,128,000 | 4,399,000 | 6,768,000 | 9,198,000 |
| Interest expense | 854,000 | 1,734,000 | 2,685,000 | 3,712,000 |
| Net interest income | 1,274,000 | 2,665,000 | 4,083,000 | 5,486,000 |
| Noninterest income | 459,000 | 907,000 | 1,361,000 | 1,989,000 |
| Noninterest expense | 1,320,000 | 2,680,000 | 4,095,000 | 6,079,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 368,000 | 212,000 | 624,000 | 594,000 |
| Income tax | 20,000 | 41,000 | 66,000 | 3,000 |
| Net income | 348,000 | 171,000 | 558,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,725,000 | 15,191,000 | 15,277,000 | 15,124,000 |
| Total capital | 16,795,000 | 16,268,000 | 16,388,000 | 16,244,000 |
| Risk-weighted assets | 98,126,000 | 104,231,000 | 108,875,000 | 107,813,000 |