Call reports 2007
FNB COWETA — 2007
What FNB COWETA 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 | 66,737,000 | 65,609,000 | 58,789,000 | 62,423,000 |
| Total loans | 31,027,000 | 29,874,000 | 30,551,000 | 30,917,000 |
| Allowance for loan losses | 318,000 | 365,000 | 387,000 | 303,000 |
| Securities available for sale | 10,123,000 | 10,096,000 | 9,664,000 | 10,342,000 |
| Securities held to maturity | 11,018,000 | 9,996,000 | 9,494,000 | 9,492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,945,000 | 60,619,000 | 53,493,000 | 57,355,000 |
| Interest-bearing deposits | 49,476,000 | 46,912,000 | 41,495,000 | 44,608,000 |
| Noninterest-bearing deposits | 12,469,000 | 13,707,000 | 11,998,000 | 12,747,000 |
| Equity capital | 4,531,000 | 4,608,000 | 4,769,000 | 4,889,000 |
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 | 972,000 | 1,990,000 | 2,960,000 | 3,913,000 |
| Interest expense | 291,000 | 590,000 | 888,000 | 1,194,000 |
| Net interest income | 681,000 | 1,400,000 | 2,072,000 | 2,719,000 |
| Noninterest income | 159,000 | 341,000 | 523,000 | 704,000 |
| Noninterest expense | 688,000 | 1,402,000 | 2,099,000 | 2,761,000 |
| Provision for loan losses | 45,000 | 90,000 | 115,000 | 150,000 |
| Pretax income | 107,000 | 249,000 | 381,000 | 512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 107,000 | 249,000 | 381,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,564,000 | 4,681,000 | 4,789,000 | 4,744,000 |
| Total capital | 4,882,000 | 5,046,000 | 5,176,000 | 5,047,000 |
| Risk-weighted assets | 35,104,000 | 33,803,000 | 31,732,000 | 33,757,000 |