Call reports 2007
NEFFS NATIONAL BANK, THE — 2007
What NEFFS NATIONAL BANK, 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 | 222,030,000 | 221,013,000 | 225,877,000 | 225,519,000 |
| Total loans | 89,975,000 | 92,202,000 | 93,792,000 | 94,610,000 |
| Allowance for loan losses | 649,000 | 645,000 | 643,000 | 620,000 |
| Securities available for sale | 35,473,000 | 34,232,000 | 33,206,000 | 35,680,000 |
| Securities held to maturity | 86,424,000 | 86,094,000 | 87,294,000 | 86,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,105,000 | 178,211,000 | 183,815,000 | 180,443,000 |
| Interest-bearing deposits | 162,131,000 | 160,765,000 | 165,673,000 | 163,185,000 |
| Noninterest-bearing deposits | 16,974,000 | 17,446,000 | 18,142,000 | 17,258,000 |
| Equity capital | 41,210,000 | 41,578,000 | 40,392,000 | 41,460,000 |
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 | 2,878,000 | 5,830,000 | 8,868,000 | 11,935,000 |
| Interest expense | 1,470,000 | 2,974,000 | 4,509,000 | 6,089,000 |
| Net interest income | 1,408,000 | 2,856,000 | 4,359,000 | 5,846,000 |
| Noninterest income | 60,000 | 121,000 | 189,000 | 255,000 |
| Noninterest expense | 685,000 | 1,374,000 | 2,061,000 | 2,749,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 783,000 | 1,603,000 | 2,487,000 | 3,352,000 |
| Income tax | 115,000 | 242,000 | 404,000 | 575,000 |
| Net income | 668,000 | 1,361,000 | 2,083,000 | 2,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,995,000 | 42,688,000 | 41,139,000 | 41,833,000 |
| Total capital | 42,644,000 | 43,333,000 | 41,782,000 | 42,453,000 |
| Risk-weighted assets | 106,450,000 | 107,415,000 | 108,695,000 | 110,307,000 |