Call reports 2007
FIRST NATIONAL BANK OF RUSSELL SPRINGS, THE — 2007
What FIRST NATIONAL BANK OF RUSSELL SPRINGS, 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 | 143,024,000 | 141,627,000 | 151,338,000 | 150,668,000 |
| Total loans | 74,557,000 | 78,152,000 | 80,373,000 | 83,603,000 |
| Allowance for loan losses | 1,122,000 | 1,071,000 | 1,052,000 | 1,105,000 |
| Securities available for sale | 52,686,000 | 52,087,000 | 51,493,000 | 54,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,729,000 | 120,357,000 | 129,036,000 | 127,945,000 |
| Interest-bearing deposits | 102,134,000 | 100,473,000 | 108,241,000 | 107,454,000 |
| Noninterest-bearing deposits | 19,595,000 | 19,884,000 | 20,795,000 | 20,491,000 |
| Equity capital | 19,060,000 | 18,862,000 | 19,795,000 | 20,173,000 |
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 | 2,254,000 | 4,532,000 | 6,955,000 | 9,369,000 |
| Interest expense | 946,000 | 1,918,000 | 2,968,000 | 3,994,000 |
| Net interest income | 1,308,000 | 2,614,000 | 3,987,000 | 5,375,000 |
| Noninterest income | 194,000 | 402,000 | 602,000 | 889,000 |
| Noninterest expense | 888,000 | 1,837,000 | 2,723,000 | 3,687,000 |
| Provision for loan losses | 5,000 | 10,000 | 75,000 | 160,000 |
| Pretax income | 609,000 | 1,169,000 | 1,791,000 | 2,417,000 |
| Income tax | 120,000 | 227,000 | 355,000 | 486,000 |
| Net income | 489,000 | 942,000 | 1,436,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,916,000 | 19,120,000 | 19,613,000 | 20,165,000 |
| Total capital | 20,030,000 | 20,196,000 | 20,670,000 | 21,275,000 |
| Risk-weighted assets | 89,081,000 | 91,622,000 | 94,885,000 | 96,429,000 |