Call reports 2007
FIRST NATIONAL BANK OF THE NORTH — 2007
What FIRST NATIONAL BANK OF THE NORTH 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 | 64,601,000 | 62,020,000 | 64,093,000 | 63,383,000 |
| Total loans | 45,555,000 | 44,971,000 | 45,591,000 | 45,087,000 |
| Allowance for loan losses | 309,000 | 303,000 | 306,000 | 297,000 |
| Securities available for sale | 7,485,000 | 6,470,000 | 8,514,000 | 6,177,000 |
| Securities held to maturity | 6,097,000 | 5,997,000 | 5,998,000 | 5,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,305,000 | 56,679,000 | 58,604,000 | 57,801,000 |
| Interest-bearing deposits | 52,086,000 | 50,125,000 | 50,821,000 | 51,665,000 |
| Noninterest-bearing deposits | 7,219,000 | 6,554,000 | 7,783,000 | 6,136,000 |
| Equity capital | 5,186,000 | 5,248,000 | 5,393,000 | 5,417,000 |
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 | 1,180,000 | 2,344,000 | 3,551,000 | 4,697,000 |
| Interest expense | 453,000 | 872,000 | 1,300,000 | 1,704,000 |
| Net interest income | 727,000 | 1,472,000 | 2,251,000 | 2,993,000 |
| Noninterest income | 34,000 | 75,000 | 120,000 | 167,000 |
| Noninterest expense | 519,000 | 1,026,000 | 1,552,000 | 2,137,000 |
| Provision for loan losses | 0 | 0 | 0 | -10,000 |
| Pretax income | 242,000 | 516,000 | 814,000 | 1,030,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 236,000 | 504,000 | 796,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,196,000 | 5,274,000 | 5,376,000 | 5,396,000 |
| Total capital | 5,505,000 | 5,577,000 | 5,682,000 | 5,693,000 |
| Risk-weighted assets | 46,444,000 | 45,704,000 | 46,341,000 | 45,522,000 |