Call reports 2007
FIRSTBANK FINANCIAL SERVICES — 2007
What FIRSTBANK FINANCIAL SERVICES 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 | 305,138,000 | 310,950,000 | 330,208,000 | 345,161,000 |
| Total loans | 229,476,000 | 240,089,000 | 249,109,000 | 256,866,000 |
| Allowance for loan losses | 2,596,000 | 2,799,000 | 3,672,000 | 7,142,000 |
| Securities available for sale | 41,826,000 | 47,007,000 | 55,390,000 | 54,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,318,000 | 250,383,000 | 263,431,000 | 278,004,000 |
| Interest-bearing deposits | 231,706,000 | 231,203,000 | 245,638,000 | 273,743,000 |
| Noninterest-bearing deposits | 21,612,000 | 19,180,000 | 17,793,000 | 4,261,000 |
| Equity capital | 28,459,000 | 28,708,000 | 29,484,000 | 30,584,000 |
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 | 5,492,000 | 11,385,000 | 17,479,000 | 22,570,000 |
| Interest expense | 2,967,000 | 6,215,000 | 9,772,000 | 13,437,000 |
| Net interest income | 2,525,000 | 5,170,000 | 7,707,000 | 9,133,000 |
| Noninterest income | 136,000 | 265,000 | 392,000 | 593,000 |
| Noninterest expense | 1,508,000 | 2,971,000 | 4,569,000 | 6,229,000 |
| Provision for loan losses | 210,000 | 415,000 | 1,327,000 | 5,080,000 |
| Pretax income | 923,000 | 2,020,000 | 2,157,000 | -1,628,000 |
| Income tax | 343,000 | 735,000 | 752,000 | -737,000 |
| Net income | 580,000 | 1,285,000 | 1,405,000 | -891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,837,000 | 29,577,000 | 29,721,000 | 30,317,000 |
| Total capital | 31,433,000 | 32,376,000 | 33,223,000 | 33,997,000 |
| Risk-weighted assets | 258,091,000 | 269,254,000 | 280,008,000 | 290,951,000 |
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