Call reports 2007
FIRST NATIONAL BANK OF LACON — 2007
What FIRST NATIONAL BANK OF LACON 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 | 53,952,000 | 60,244,000 | 55,035,000 | 55,425,000 |
| Total loans | 33,833,000 | 35,129,000 | 35,365,000 | 35,658,000 |
| Allowance for loan losses | 211,000 | 211,000 | 215,000 | 215,000 |
| Securities available for sale | 17,579,000 | 15,520,000 | 13,193,000 | 13,366,000 |
| Securities held to maturity | 37,000 | 35,000 | 33,000 | 31,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,674,000 | 50,199,000 | 46,020,000 | 46,390,000 |
| Interest-bearing deposits | 35,508,000 | 43,404,000 | 38,993,000 | 38,766,000 |
| Noninterest-bearing deposits | 7,166,000 | 6,795,000 | 7,027,000 | 7,624,000 |
| Equity capital | 4,689,000 | 4,630,000 | 4,806,000 | 4,952,000 |
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 | 792,000 | 1,610,000 | 2,454,000 | 3,285,000 |
| Interest expense | 334,000 | 691,000 | 1,054,000 | 1,409,000 |
| Net interest income | 458,000 | 919,000 | 1,400,000 | 1,876,000 |
| Noninterest income | 23,000 | 47,000 | 70,000 | 103,000 |
| Noninterest expense | 331,000 | 661,000 | 992,000 | 1,373,000 |
| Provision for loan losses | 0 | 10,000 | 30,000 | 30,000 |
| Pretax income | 150,000 | 295,000 | 448,000 | 576,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 150,000 | 295,000 | 448,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,860,000 | 4,860,000 | 4,862,000 | 4,871,000 |
| Total capital | 5,071,000 | 5,071,000 | 5,077,000 | 5,086,000 |
| Risk-weighted assets | 36,486,000 | 38,232,000 | 37,467,000 | 37,684,000 |