Call reports 2007
FIRST NATIONAL BANK OF HICO, THE — 2007
What FIRST NATIONAL BANK OF HICO, 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 | 32,016,000 | 31,062,000 | 31,425,000 | 32,487,000 |
| Total loans | 11,624,000 | 12,963,000 | 13,658,000 | 13,837,000 |
| Allowance for loan losses | 172,000 | 166,000 | 167,000 | 167,000 |
| Securities available for sale | 5,783,000 | 5,477,000 | 4,469,000 | 3,453,000 |
| Securities held to maturity | 9,540,000 | 10,793,000 | 10,598,000 | 10,731,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,270,000 | 28,189,000 | 28,369,000 | 29,323,000 |
| Interest-bearing deposits | 21,436,000 | 20,618,000 | 20,491,000 | 21,137,000 |
| Noninterest-bearing deposits | 7,834,000 | 7,571,000 | 7,878,000 | 8,186,000 |
| Equity capital | 2,717,000 | 2,840,000 | 3,017,000 | 3,132,000 |
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 | 413,000 | 846,000 | 1,294,000 | 1,750,000 |
| Interest expense | 128,000 | 257,000 | 393,000 | 529,000 |
| Net interest income | 285,000 | 589,000 | 901,000 | 1,221,000 |
| Noninterest income | 94,000 | 187,000 | 286,000 | 383,000 |
| Noninterest expense | 290,000 | 563,000 | 842,000 | 1,174,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 89,000 | 213,000 | 345,000 | 430,000 |
| Income tax | 0 | 0 | 0 | -2,000 |
| Net income | 89,000 | 213,000 | 345,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,803,000 | 2,926,000 | 3,058,000 | 3,146,000 |
| Total capital | 2,975,000 | 3,092,000 | 3,225,000 | 3,313,000 |
| Risk-weighted assets | 16,207,000 | 17,452,000 | 18,105,000 | 18,818,000 |