Call reports 2007
BANK OF FINCASTLE, THE — 2007
What BANK OF FINCASTLE, 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 | 166,310,000 | 167,137,000 | 166,467,000 | 159,613,000 |
| Total loans | 128,406,000 | 125,760,000 | 127,935,000 | 133,195,000 |
| Allowance for loan losses | 1,442,000 | 1,518,000 | 1,543,000 | 1,550,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,189,000 | 15,210,000 | 12,078,000 | 9,914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,345,000 | 144,227,000 | 142,746,000 | 135,868,000 |
| Interest-bearing deposits | 104,775,000 | 105,862,000 | 104,825,000 | 100,990,000 |
| Noninterest-bearing deposits | 38,570,000 | 38,365,000 | 37,921,000 | 34,878,000 |
| Equity capital | 22,041,000 | 22,308,000 | 22,895,000 | 22,870,000 |
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 | 2,761,000 | 5,617,000 | 8,490,000 | 11,275,000 |
| Interest expense | 761,000 | 1,562,000 | 2,375,000 | 3,202,000 |
| Net interest income | 2,000,000 | 4,055,000 | 6,115,000 | 8,073,000 |
| Noninterest income | 291,000 | 536,000 | 830,000 | 1,139,000 |
| Noninterest expense | 1,277,000 | 2,652,000 | 4,112,000 | 5,638,000 |
| Provision for loan losses | 150,000 | 225,000 | 268,000 | 323,000 |
| Pretax income | 864,000 | 1,714,000 | 2,565,000 | 3,251,000 |
| Income tax | 255,000 | 519,000 | 782,000 | 1,036,000 |
| Net income | 609,000 | 1,195,000 | 1,783,000 | 2,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,041,000 | 22,308,000 | 22,895,000 | 22,870,000 |
| Total capital | 23,483,000 | 23,826,000 | 24,438,000 | 24,420,000 |
| Risk-weighted assets | 148,181,000 | 147,460,000 | 151,019,000 | 154,103,000 |