Call reports 2007
FIRST NATIONAL BANK OF ELMER — 2007
What FIRST NATIONAL BANK OF ELMER 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 | 211,418,000 | 215,979,000 | 215,545,000 | 212,265,000 |
| Total loans | 180,414,000 | 181,995,000 | 188,327,000 | 191,171,000 |
| Allowance for loan losses | 1,941,000 | 1,943,000 | 1,941,000 | 1,948,000 |
| Securities available for sale | 5,165,000 | 6,380,000 | 4,912,000 | 4,453,000 |
| Securities held to maturity | 6,576,000 | 5,514,000 | 7,067,000 | 5,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,756,000 | 196,843,000 | 196,016,000 | 192,165,000 |
| Interest-bearing deposits | 179,067,000 | 185,728,000 | 181,159,000 | 179,208,000 |
| Noninterest-bearing deposits | 11,689,000 | 11,115,000 | 14,857,000 | 12,957,000 |
| Equity capital | 17,247,000 | 17,683,000 | 17,542,000 | 17,834,000 |
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 | 3,472,000 | 7,025,000 | 10,728,000 | 14,328,000 |
| Interest expense | 1,245,000 | 2,537,000 | 3,843,000 | 5,099,000 |
| Net interest income | 2,227,000 | 4,488,000 | 6,885,000 | 9,229,000 |
| Noninterest income | 251,000 | 527,000 | 823,000 | 1,072,000 |
| Noninterest expense | 1,688,000 | 3,494,000 | 5,484,000 | 7,498,000 |
| Provision for loan losses | 33,000 | 50,000 | 53,000 | 56,000 |
| Pretax income | 757,000 | 1,471,000 | 2,171,000 | 2,747,000 |
| Income tax | 246,000 | 520,000 | 782,000 | 1,066,000 |
| Net income | 511,000 | 951,000 | 1,389,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,361,000 | 17,797,000 | 17,650,000 | 17,941,000 |
| Total capital | 19,342,000 | 19,780,000 | 19,631,000 | 19,929,000 |
| Risk-weighted assets | 170,227,000 | 172,395,000 | 176,943,000 | 176,914,000 |