Call reports 2007
FIRST NATIONAL BANK OF SHINER, THE — 2007
What FIRST NATIONAL BANK OF SHINER, 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 | 99,793,000 | 98,044,000 | 96,790,000 | 101,078,000 |
| Total loans | 38,704,000 | 39,050,000 | 38,556,000 | 37,978,000 |
| Allowance for loan losses | 556,000 | 584,000 | 570,000 | 601,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,022,000 | 53,043,000 | 48,727,000 | 51,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,340,000 | 82,502,000 | 80,715,000 | 85,090,000 |
| Interest-bearing deposits | 69,758,000 | 67,132,000 | 66,998,000 | 67,845,000 |
| Noninterest-bearing deposits | 13,582,000 | 15,370,000 | 13,717,000 | 17,245,000 |
| Equity capital | 14,498,000 | 14,847,000 | 15,325,000 | 15,347,000 |
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 | 1,411,000 | 2,834,000 | 4,303,000 | 5,729,000 |
| Interest expense | 568,000 | 1,144,000 | 1,722,000 | 2,302,000 |
| Net interest income | 843,000 | 1,690,000 | 2,581,000 | 3,427,000 |
| Noninterest income | 49,000 | 98,000 | 149,000 | 210,000 |
| Noninterest expense | 354,000 | 739,000 | 1,052,000 | 1,518,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 508,000 | 992,000 | 1,591,000 | 2,002,000 |
| Income tax | 188,000 | 323,000 | 444,000 | 533,000 |
| Net income | 320,000 | 669,000 | 1,147,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,874,000 | 14,231,000 | 14,717,000 | 14,747,000 |
| Total capital | 14,430,000 | 14,815,000 | 15,287,000 | 15,348,000 |
| Risk-weighted assets | 49,133,000 | 49,456,000 | 48,532,000 | 49,058,000 |