Call reports 2007
NEWTON COUNTY BANK — 2007
What NEWTON COUNTY BANK 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 | 150,379,000 | 150,727,000 | 149,958,000 | 149,954,000 |
| Total loans | 82,261,000 | 91,382,000 | 96,528,000 | 97,681,000 |
| Allowance for loan losses | 924,000 | 896,000 | 959,000 | 940,000 |
| Securities available for sale | 41,232,000 | 42,581,000 | 36,404,000 | 35,061,000 |
| Securities held to maturity | 6,470,000 | 6,740,000 | 6,547,000 | 6,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,149,000 | 127,502,000 | 128,095,000 | 128,912,000 |
| Interest-bearing deposits | 110,970,000 | 110,882,000 | 111,898,000 | 111,764,000 |
| Noninterest-bearing deposits | 18,179,000 | 16,620,000 | 16,197,000 | 17,148,000 |
| Equity capital | 18,886,000 | 18,879,000 | 18,957,000 | 18,373,000 |
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 | 2,429,000 | 4,953,000 | 7,584,000 | 10,163,000 |
| Interest expense | 871,000 | 1,803,000 | 2,793,000 | 3,960,000 |
| Net interest income | 1,558,000 | 3,150,000 | 4,791,000 | 6,203,000 |
| Noninterest income | 328,000 | 683,000 | 1,040,000 | 1,440,000 |
| Noninterest expense | 1,380,000 | 2,620,000 | 3,940,000 | 5,349,000 |
| Provision for loan losses | 20,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 486,000 | 1,173,000 | 1,821,000 | 2,194,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 486,000 | 1,173,000 | 1,821,000 | 2,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,713,000 | 18,050,000 | 17,948,000 | 17,272,000 |
| Total capital | 19,195,000 | 19,498,000 | 19,465,000 | 18,748,000 |
| Risk-weighted assets | 108,663,000 | 116,257,000 | 119,992,000 | 120,826,000 |