Call reports 2007
FNBT BANK — 2007
What FNBT BANK 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 | 388,795,000 | 396,884,000 | 389,373,000 | 379,350,000 |
| Total loans | 216,124,000 | 211,597,000 | 212,055,000 | 210,329,000 |
| Allowance for loan losses | 4,203,000 | 4,158,000 | 4,030,000 | 5,053,000 |
| Securities available for sale | 94,357,000 | 108,827,000 | 109,920,000 | 130,247,000 |
| Securities held to maturity | 836,000 | 813,000 | 787,000 | 767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,201,000 | 301,301,000 | 290,104,000 | 277,630,000 |
| Interest-bearing deposits | 266,554,000 | 278,144,000 | 272,724,000 | 256,800,000 |
| Noninterest-bearing deposits | 29,647,000 | 23,157,000 | 17,380,000 | 20,830,000 |
| Equity capital | 43,148,000 | 44,258,000 | 46,848,000 | 47,074,000 |
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 | 6,410,000 | 12,976,000 | 19,487,000 | 25,667,000 |
| Interest expense | 1,928,000 | 4,012,000 | 6,303,000 | 8,447,000 |
| Net interest income | 4,482,000 | 8,964,000 | 13,184,000 | 17,220,000 |
| Noninterest income | 2,690,000 | 5,686,000 | 8,230,000 | 11,301,000 |
| Noninterest expense | 4,465,000 | 9,151,000 | 13,554,000 | 18,671,000 |
| Provision for loan losses | -10,000 | 32,000 | 33,000 | 1,077,000 |
| Pretax income | 2,717,000 | 5,467,000 | 7,827,000 | 8,773,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,717,000 | 5,467,000 | 7,827,000 | 8,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,905,000 | 44,554,000 | 46,415,000 | 45,812,000 |
| Total capital | 46,405,000 | 48,083,000 | 49,953,000 | 49,220,000 |
| Risk-weighted assets | 279,325,000 | 281,683,000 | 282,539,000 | 271,030,000 |