Call reports 2007
FIRST NATIONAL BANK — 2007
What FIRST NATIONAL BANK 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 | 229,311,000 | 238,418,000 | 247,492,000 | 272,098,000 |
| Total loans | 177,862,000 | 192,409,000 | 195,303,000 | 200,960,000 |
| Allowance for loan losses | 2,665,000 | 2,456,000 | 2,537,000 | 2,612,000 |
| Securities available for sale | 29,818,000 | 28,454,000 | 32,154,000 | 33,233,000 |
| Securities held to maturity | 0 | 0 | 30,000 | 180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,568,000 | 200,723,000 | 208,279,000 | 232,909,000 |
| Interest-bearing deposits | 179,271,000 | 187,538,000 | 198,466,000 | 221,357,000 |
| Noninterest-bearing deposits | 12,297,000 | 13,185,000 | 9,813,000 | 11,552,000 |
| Equity capital | 25,501,000 | 25,679,000 | 26,666,000 | 26,910,000 |
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 | 4,325,000 | 9,124,000 | 14,309,000 | 19,227,000 |
| Interest expense | 2,141,000 | 4,557,000 | 7,247,000 | 10,108,000 |
| Net interest income | 2,184,000 | 4,567,000 | 7,062,000 | 9,119,000 |
| Noninterest income | 205,000 | 351,000 | 562,000 | 730,000 |
| Noninterest expense | 1,319,000 | 2,635,000 | 4,200,000 | 5,805,000 |
| Provision for loan losses | 0 | 185,000 | 260,000 | 335,000 |
| Pretax income | 1,070,000 | 2,098,000 | 3,164,000 | 3,709,000 |
| Income tax | 406,000 | 796,000 | 1,201,000 | 1,341,000 |
| Net income | 664,000 | 1,302,000 | 1,963,000 | 2,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,986,000 | 26,623,000 | 27,284,000 | 27,516,000 |
| Total capital | 28,310,000 | 29,079,000 | 29,806,000 | 29,553,000 |
| Risk-weighted assets | 185,589,000 | 199,725,000 | 201,793,000 | 213,461,000 |