Call reports 2007
FIRST NATIONAL BANK OF MCHENRY, THE — 2007
What FIRST NATIONAL BANK OF MCHENRY, 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 | 127,271,000 | 127,300,000 | 127,656,000 | 126,472,000 |
| Total loans | 64,528,000 | 69,519,000 | 71,388,000 | 73,699,000 |
| Allowance for loan losses | 940,000 | 940,000 | 901,000 | 903,000 |
| Securities available for sale | 49,620,000 | 44,144,000 | 43,349,000 | 41,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,821,000 | 112,073,000 | 113,530,000 | 112,047,000 |
| Interest-bearing deposits | 94,241,000 | 80,987,000 | 82,259,000 | 83,716,000 |
| Noninterest-bearing deposits | 17,580,000 | 31,086,000 | 31,271,000 | 28,331,000 |
| Equity capital | 13,153,000 | 13,058,000 | 13,336,000 | 13,496,000 |
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 | 1,686,000 | 3,405,000 | 5,171,000 | 6,944,000 |
| Interest expense | 742,000 | 1,454,000 | 2,213,000 | 3,011,000 |
| Net interest income | 944,000 | 1,951,000 | 2,958,000 | 3,933,000 |
| Noninterest income | 200,000 | 404,000 | 610,000 | 817,000 |
| Noninterest expense | 1,013,000 | 2,049,000 | 3,106,000 | 4,220,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 302,000 | 453,000 | 528,000 |
| Income tax | 20,000 | 14,000 | 29,000 | 9,000 |
| Net income | 109,000 | 288,000 | 424,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,262,000 | 13,372,000 | 13,437,000 | 13,461,000 |
| Total capital | 14,121,000 | 14,272,000 | 14,327,000 | 14,364,000 |
| Risk-weighted assets | 68,630,000 | 71,973,000 | 72,046,000 | 73,952,000 |