Call reports 2007
FIRST NATIONAL BANK OF STARBUCK, THE — 2007
What FIRST NATIONAL BANK OF STARBUCK, 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 | 19,484,000 | 18,899,000 | 19,198,000 | 18,306,000 |
| Total loans | 12,885,000 | 12,636,000 | 12,128,000 | 12,216,000 |
| Allowance for loan losses | 309,000 | 310,000 | 318,000 | 326,000 |
| Securities available for sale | 4,661,000 | 4,606,000 | 4,144,000 | 3,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,932,000 | 16,331,000 | 16,514,000 | 15,605,000 |
| Interest-bearing deposits | 13,107,000 | 12,948,000 | 12,132,000 | 11,821,000 |
| Noninterest-bearing deposits | 3,825,000 | 3,383,000 | 4,382,000 | 3,784,000 |
| Equity capital | 2,455,000 | 2,475,000 | 2,550,000 | 2,600,000 |
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 | 302,000 | 585,000 | 859,000 | 1,124,000 |
| Interest expense | 51,000 | 101,000 | 152,000 | 202,000 |
| Net interest income | 251,000 | 484,000 | 707,000 | 922,000 |
| Noninterest income | 55,000 | 119,000 | 210,000 | 304,000 |
| Noninterest expense | 234,000 | 466,000 | 697,000 | 973,000 |
| Provision for loan losses | 0 | 0 | 7,000 | 15,000 |
| Pretax income | 54,000 | 119,000 | 193,000 | 218,000 |
| Income tax | 15,000 | 34,000 | 57,000 | 32,000 |
| Net income | 39,000 | 85,000 | 136,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,448,000 | 2,494,000 | 2,525,000 | 2,547,000 |
| Total capital | 2,612,000 | 2,655,000 | 2,687,000 | 2,712,000 |
| Risk-weighted assets | 12,980,000 | 12,708,000 | 12,833,000 | 13,027,000 |