Call reports 2007
FBT BANK & MORTGAGE — 2007
What FBT BANK & MORTGAGE 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 | 95,331,000 | 93,774,000 | 94,686,000 | 94,322,000 |
| Total loans | 66,765,000 | 67,038,000 | 66,305,000 | 64,983,000 |
| Allowance for loan losses | 1,191,000 | 1,182,000 | 1,166,000 | 1,266,000 |
| Securities available for sale | 17,838,000 | 17,782,000 | 17,691,000 | 19,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,938,000 | 79,531,000 | 80,070,000 | 79,943,000 |
| Interest-bearing deposits | 66,323,000 | 64,707,000 | 65,009,000 | 65,631,000 |
| Noninterest-bearing deposits | 14,615,000 | 14,824,000 | 15,061,000 | 14,312,000 |
| Equity capital | 9,353,000 | 9,393,000 | 9,800,000 | 9,599,000 |
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 | 1,667,000 | 3,351,000 | 5,007,000 | 6,705,000 |
| Interest expense | 641,000 | 1,285,000 | 1,933,000 | 2,587,000 |
| Net interest income | 1,026,000 | 2,066,000 | 3,074,000 | 4,118,000 |
| Noninterest income | 236,000 | 523,000 | 803,000 | 1,015,000 |
| Noninterest expense | 900,000 | 1,839,000 | 2,755,000 | 3,824,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 366,000 | 754,000 | 1,126,000 | 1,217,000 |
| Income tax | 84,000 | 193,000 | 309,000 | 319,000 |
| Net income | 282,000 | 561,000 | 817,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,278,000 | 9,556,000 | 9,811,000 | 9,579,000 |
| Total capital | 10,080,000 | 10,372,000 | 10,606,000 | 10,363,000 |
| Risk-weighted assets | 63,740,000 | 64,923,000 | 63,253,000 | 62,256,000 |