Call reports 2007
NAPOLEON STATE BANK, THE — 2007
What NAPOLEON STATE 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 | 108,420,000 | 110,267,000 | 109,835,000 | 113,011,000 |
| Total loans | 85,758,000 | 88,038,000 | 89,262,000 | 91,846,000 |
| Allowance for loan losses | 933,000 | 947,000 | 983,000 | 893,000 |
| Securities available for sale | 4,262,000 | 5,262,000 | 4,803,000 | 4,408,000 |
| Securities held to maturity | 3,306,000 | 3,465,000 | 3,623,000 | 3,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,848,000 | 91,499,000 | 92,655,000 | 95,872,000 |
| Interest-bearing deposits | 78,898,000 | 80,078,000 | 82,076,000 | 84,227,000 |
| Noninterest-bearing deposits | 10,950,000 | 11,421,000 | 10,579,000 | 11,645,000 |
| Equity capital | 11,845,000 | 12,020,000 | 12,270,000 | 12,325,000 |
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 | 1,633,000 | 3,346,000 | 5,051,000 | 6,823,000 |
| Interest expense | 779,000 | 1,609,000 | 2,460,000 | 3,338,000 |
| Net interest income | 854,000 | 1,737,000 | 2,591,000 | 3,485,000 |
| Noninterest income | 156,000 | 318,000 | 527,000 | 718,000 |
| Noninterest expense | 655,000 | 1,321,000 | 1,970,000 | 2,663,000 |
| Provision for loan losses | 20,000 | 50,000 | 108,000 | 245,000 |
| Pretax income | 335,000 | 684,000 | 1,040,000 | 1,295,000 |
| Income tax | 124,000 | 252,000 | 382,000 | 483,000 |
| Net income | 211,000 | 432,000 | 658,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,851,000 | 12,032,000 | 12,258,000 | 12,299,000 |
| Total capital | 12,784,000 | 12,979,000 | 13,241,000 | 13,192,000 |
| Risk-weighted assets | 77,977,000 | 79,827,000 | 81,699,000 | 84,887,000 |