Call reports 2007
FIRST NATIONAL BANK OF VOLGA, THE — 2007
What FIRST NATIONAL BANK OF VOLGA, 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 | 32,280,000 | 32,245,000 | 32,996,000 | 33,057,000 |
| Total loans | 24,496,000 | 25,215,000 | 24,720,000 | 23,488,000 |
| Allowance for loan losses | 348,000 | 337,000 | 341,000 | 305,000 |
| Securities available for sale | 5,809,000 | 5,432,000 | 5,259,000 | 5,203,000 |
| Securities held to maturity | 67,000 | 65,000 | 63,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,065,000 | 28,809,000 | 29,333,000 | 29,388,000 |
| Interest-bearing deposits | 23,630,000 | 24,540,000 | 25,070,000 | 25,286,000 |
| Noninterest-bearing deposits | 4,435,000 | 4,269,000 | 4,263,000 | 4,102,000 |
| Equity capital | 3,240,000 | 3,211,000 | 3,395,000 | 3,434,000 |
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 | 520,000 | 1,071,000 | 1,630,000 | 2,182,000 |
| Interest expense | 198,000 | 399,000 | 605,000 | 816,000 |
| Net interest income | 322,000 | 672,000 | 1,025,000 | 1,366,000 |
| Noninterest income | 41,000 | 80,000 | 116,000 | 157,000 |
| Noninterest expense | 242,000 | 506,000 | 781,000 | 1,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 246,000 | 360,000 | 449,000 |
| Income tax | 4,000 | 9,000 | 12,000 | 25,000 |
| Net income | 117,000 | 237,000 | 348,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,341,000 | 3,361,000 | 3,472,000 | 3,448,000 |
| Total capital | 3,634,000 | 3,662,000 | 3,773,000 | 3,737,000 |
| Risk-weighted assets | 23,396,000 | 24,033,000 | 24,014,000 | 23,124,000 |