Call reports 2007
FIRST NATIONAL BANK OF PINE CITY, THE — 2007
What FIRST NATIONAL BANK OF PINE CITY, 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 |
|---|---|---|---|
| Total assets | 55,419,000 | 55,301,000 | 55,287,000 |
| Total loans | 32,863,000 | 34,248,000 | 35,067,000 |
| Allowance for loan losses | 470,000 | 450,000 | 450,000 |
| Securities available for sale | 12,888,000 | 11,986,000 | 9,975,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 44,540,000 | 44,120,000 | 43,949,000 |
| Interest-bearing deposits | 38,550,000 | 37,883,000 | 38,762,000 |
| Noninterest-bearing deposits | 5,990,000 | 6,237,000 | 5,187,000 |
| Equity capital | 10,430,000 | 10,729,000 | 10,888,000 |
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 |
|---|---|---|---|
| Interest income | 865,000 | 1,781,000 | 2,706,000 |
| Interest expense | 304,000 | 624,000 | 949,000 |
| Net interest income | 561,000 | 1,157,000 | 1,757,000 |
| Noninterest income | 61,000 | 122,000 | 175,000 |
| Noninterest expense | 327,000 | 672,000 | 1,092,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 295,000 | 607,000 | 840,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 295,000 | 607,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 6,702,000 | 6,956,000 | 7,144,000 |
| Total capital | 7,064,000 | 7,338,000 | 7,533,000 |
| Risk-weighted assets | 28,884,000 | 30,459,000 | 31,056,000 |