Call reports 2007
FIRST NATIONAL BANK OF BYERS, THE — 2007
What FIRST NATIONAL BANK OF BYERS, 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 | 84,648,000 | 81,405,000 | 76,310,000 | 77,492,000 |
| Total loans | 44,289,000 | 39,611,000 | 40,075,000 | 42,447,000 |
| Allowance for loan losses | 897,000 | 811,000 | 852,000 | 804,000 |
| Securities available for sale | 21,763,000 | 23,919,000 | 23,592,000 | 20,754,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,189,000 | 71,956,000 | 66,496,000 | 67,691,000 |
| Interest-bearing deposits | 54,078,000 | 53,641,000 | 47,503,000 | 48,219,000 |
| Noninterest-bearing deposits | 21,111,000 | 18,315,000 | 18,993,000 | 19,472,000 |
| Equity capital | 9,280,000 | 9,177,000 | 9,461,000 | 9,667,000 |
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 | 1,377,000 | 2,681,000 | 3,957,000 | 5,221,000 |
| Interest expense | 433,000 | 873,000 | 1,314,000 | 1,688,000 |
| Net interest income | 944,000 | 1,808,000 | 2,643,000 | 3,533,000 |
| Noninterest income | 150,000 | 295,000 | 432,000 | 568,000 |
| Noninterest expense | 673,000 | 1,421,000 | 2,177,000 | 2,940,000 |
| Provision for loan losses | 336,000 | 634,000 | 684,000 | 767,000 |
| Pretax income | 85,000 | 48,000 | 214,000 | 394,000 |
| Income tax | 28,000 | 13,000 | 67,000 | 129,000 |
| Net income | 57,000 | 35,000 | 147,000 | 265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,286,000 | 9,264,000 | 9,376,000 | 9,490,000 |
| Total capital | 9,908,000 | 9,840,000 | 9,941,000 | 10,088,000 |
| Risk-weighted assets | 49,499,000 | 45,829,000 | 44,906,000 | 47,629,000 |