Call reports 2007
FIRST NATIONAL BANK OF COLERAINE, THE — 2007
What FIRST NATIONAL BANK OF COLERAINE, 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 | 63,252,000 | 63,758,000 | 63,216,000 | 61,429,000 |
| Total loans | 35,007,000 | 34,565,000 | 33,229,000 | 32,437,000 |
| Allowance for loan losses | 211,000 | 225,000 | 230,000 | 228,000 |
| Securities available for sale | 21,712,000 | 22,179,000 | 24,531,000 | 23,749,000 |
| Securities held to maturity | 651,000 | 638,000 | 627,000 | 616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,923,000 | 58,555,000 | 54,928,000 | 55,012,000 |
| Interest-bearing deposits | 49,567,000 | 51,686,000 | 47,377,000 | 48,159,000 |
| Noninterest-bearing deposits | 8,356,000 | 6,869,000 | 7,551,000 | 6,853,000 |
| Equity capital | 4,625,000 | 4,497,000 | 4,748,000 | 4,828,000 |
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 | 876,000 | 1,748,000 | 2,615,000 | 3,517,000 |
| Interest expense | 435,000 | 868,000 | 1,302,000 | 1,740,000 |
| Net interest income | 441,000 | 880,000 | 1,313,000 | 1,777,000 |
| Noninterest income | 97,000 | 193,000 | 287,000 | 378,000 |
| Noninterest expense | 413,000 | 848,000 | 1,263,000 | 1,737,000 |
| Provision for loan losses | 12,000 | 24,000 | 28,000 | 28,000 |
| Pretax income | 113,000 | 201,000 | 309,000 | 390,000 |
| Income tax | 32,000 | 58,000 | 90,000 | 116,000 |
| Net income | 81,000 | 143,000 | 219,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,705,000 | 4,677,000 | 4,753,000 | 4,688,000 |
| Total capital | 4,916,000 | 4,902,000 | 4,983,000 | 4,916,000 |
| Risk-weighted assets | 36,025,000 | 35,454,000 | 34,411,000 | 33,308,000 |