Call reports 2007
NECEDAH BANK, THE — 2007
What NECEDAH BANK, 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 | 45,039,000 | 44,537,000 | 45,701,000 | 44,484,000 |
| Total loans | 31,004,000 | 31,635,000 | 31,449,000 | 29,812,000 |
| Allowance for loan losses | 326,000 | 341,000 | 356,000 | 251,000 |
| Securities available for sale | 8,159,000 | 7,921,000 | 7,914,000 | 8,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,108,000 | 32,582,000 | 33,660,000 | 32,636,000 |
| Interest-bearing deposits | 29,657,000 | 27,002,000 | 28,716,000 | 26,983,000 |
| Noninterest-bearing deposits | 4,451,000 | 5,581,000 | 4,944,000 | 5,653,000 |
| Equity capital | 6,608,000 | 6,677,000 | 6,773,000 | 6,527,000 |
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 | 656,000 | 1,327,000 | 2,018,000 | 2,689,000 |
| Interest expense | 320,000 | 635,000 | 965,000 | 1,275,000 |
| Net interest income | 336,000 | 692,000 | 1,053,000 | 1,414,000 |
| Noninterest income | 71,000 | 140,000 | 203,000 | 257,000 |
| Noninterest expense | 229,000 | 471,000 | 695,000 | 938,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 80,000 |
| Pretax income | 173,000 | 341,000 | 526,000 | 653,000 |
| Income tax | 51,000 | 100,000 | 156,000 | 189,000 |
| Net income | 122,000 | 241,000 | 370,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,151,000 | 4,277,000 | 4,307,000 | 4,027,000 |
| Total capital | 4,477,000 | 4,618,000 | 4,663,000 | 4,278,000 |
| Risk-weighted assets | 32,247,000 | 32,765,000 | 33,003,000 | 31,826,000 |