Call reports 2007
FIRST BANK OF BANCROFT — 2007
What FIRST BANK OF BANCROFT 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 | 16,835,000 | 16,627,000 | 17,184,000 | 17,144,000 |
| Total loans | 12,211,000 | 12,900,000 | 12,306,000 | 13,724,000 |
| Allowance for loan losses | 187,000 | 180,000 | 175,000 | 175,000 |
| Securities available for sale | 2,008,000 | 1,744,000 | 1,848,000 | 1,809,000 |
| Securities held to maturity | 66,000 | 66,000 | 66,000 | 66,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,682,000 | 13,413,000 | 13,892,000 | 13,817,000 |
| Interest-bearing deposits | 11,663,000 | 11,756,000 | 12,041,000 | 11,950,000 |
| Noninterest-bearing deposits | 2,019,000 | 1,657,000 | 1,851,000 | 1,867,000 |
| Equity capital | 2,903,000 | 2,945,000 | 2,993,000 | 2,949,000 |
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 | 317,000 | 618,000 | 906,000 | 1,209,000 |
| Interest expense | 110,000 | 224,000 | 337,000 | 452,000 |
| Net interest income | 207,000 | 394,000 | 569,000 | 757,000 |
| Noninterest income | 10,000 | 26,000 | 41,000 | 59,000 |
| Noninterest expense | 140,000 | 275,000 | 417,000 | 560,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 145,000 | 193,000 | 256,000 |
| Income tax | 25,000 | 43,000 | 55,000 | 74,000 |
| Net income | 52,000 | 102,000 | 138,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,912,000 | 2,963,000 | 2,998,000 | 2,943,000 |
| Total capital | 3,066,000 | 3,123,000 | 3,155,000 | 3,112,000 |
| Risk-weighted assets | 12,314,000 | 12,812,000 | 12,532,000 | 13,526,000 |