Call reports 2007
FIRST NATIONAL BANK OF MANCHESTER — 2007
What FIRST NATIONAL BANK OF MANCHESTER 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 | 169,982,000 | 169,209,000 | 169,466,000 | 173,615,000 |
| Total loans | 110,293,000 | 109,997,000 | 110,536,000 | 113,042,000 |
| Allowance for loan losses | 1,348,000 | 1,369,000 | 1,323,000 | 1,259,000 |
| Securities available for sale | 34,951,000 | 39,373,000 | 40,557,000 | 31,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,672,000 | 147,665,000 | 147,290,000 | 151,292,000 |
| Interest-bearing deposits | 118,626,000 | 117,401,000 | 119,226,000 | 121,761,000 |
| Noninterest-bearing deposits | 30,046,000 | 30,264,000 | 28,064,000 | 29,531,000 |
| Equity capital | 18,915,000 | 19,201,000 | 19,703,000 | 19,918,000 |
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 | 2,707,000 | 5,494,000 | 8,307,000 | 11,154,000 |
| Interest expense | 1,055,000 | 2,154,000 | 3,306,000 | 4,474,000 |
| Net interest income | 1,652,000 | 3,340,000 | 5,001,000 | 6,680,000 |
| Noninterest income | 269,000 | 600,000 | 878,000 | 1,241,000 |
| Noninterest expense | 969,000 | 1,959,000 | 2,955,000 | 4,038,000 |
| Provision for loan losses | 38,000 | 77,000 | 115,000 | 153,000 |
| Pretax income | 914,000 | 1,904,000 | 2,810,000 | 3,733,000 |
| Income tax | 324,000 | 685,000 | 1,004,000 | 1,276,000 |
| Net income | 590,000 | 1,219,000 | 1,806,000 | 2,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,952,000 | 19,322,000 | 19,613,000 | 19,883,000 |
| Total capital | 19,760,000 | 20,129,000 | 20,293,000 | 20,499,000 |
| Risk-weighted assets | 111,920,000 | 114,377,000 | 115,034,000 | 116,976,000 |