Call reports 2007
FIRST NATIONAL BANK AND TRUST COMPANY, THE — 2007
What FIRST NATIONAL BANK AND TRUST COMPANY, 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 | 592,290,000 | 579,135,000 | 583,295,000 | 608,749,000 |
| Total loans | 418,322,000 | 418,539,000 | 427,675,000 | 409,936,000 |
| Allowance for loan losses | 5,032,000 | 5,182,000 | 5,047,000 | 5,090,000 |
| Securities available for sale | 80,799,000 | 80,276,000 | 76,653,000 | 86,217,000 |
| Securities held to maturity | 41,878,000 | 37,890,000 | 38,531,000 | 43,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,223,000 | 463,669,000 | 464,293,000 | 494,655,000 |
| Interest-bearing deposits | 419,708,000 | 401,077,000 | 406,180,000 | 409,242,000 |
| Noninterest-bearing deposits | 62,515,000 | 62,592,000 | 58,113,000 | 85,413,000 |
| Equity capital | 54,499,000 | 55,106,000 | 56,492,000 | 57,771,000 |
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 | 8,671,000 | 17,325,000 | 26,042,000 | 34,617,000 |
| Interest expense | 4,403,000 | 8,698,000 | 13,000,000 | 17,070,000 |
| Net interest income | 4,268,000 | 8,627,000 | 13,042,000 | 17,547,000 |
| Noninterest income | 1,573,000 | 4,099,000 | 6,217,000 | 8,262,000 |
| Noninterest expense | 4,449,000 | 9,059,000 | 13,699,000 | 18,264,000 |
| Provision for loan losses | 244,000 | 415,000 | 481,000 | 613,000 |
| Pretax income | 1,148,000 | 3,252,000 | 5,079,000 | 7,049,000 |
| Income tax | 279,000 | 931,000 | 1,469,000 | 2,042,000 |
| Net income | 869,000 | 2,321,000 | 3,610,000 | 5,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,354,000 | 45,387,000 | 46,291,000 | 47,367,000 |
| Total capital | 49,386,000 | 50,569,000 | 51,338,000 | 52,457,000 |
| Risk-weighted assets | 439,528,000 | 434,389,000 | 441,417,000 | 440,565,000 |