Call reports 2007
FIRST NATIONAL BANK OF NASSAU COUNTY — 2007
What FIRST NATIONAL BANK OF NASSAU COUNTY 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 | 238,950,000 | 230,719,000 | 234,204,000 | 241,927,000 |
| Total loans | 146,120,000 | 146,983,000 | 153,349,000 | 170,503,000 |
| Allowance for loan losses | 1,804,000 | 1,791,000 | 1,917,000 | 1,993,000 |
| Securities available for sale | 38,528,000 | 44,296,000 | 38,686,000 | 43,387,000 |
| Securities held to maturity | 11,844,000 | 11,516,000 | 11,192,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,312,000 | 183,196,000 | 185,897,000 | 187,705,000 |
| Interest-bearing deposits | 174,311,000 | 168,854,000 | 172,006,000 | 173,106,000 |
| Noninterest-bearing deposits | 17,001,000 | 14,342,000 | 13,891,000 | 14,599,000 |
| Equity capital | 31,391,000 | 31,573,000 | 32,261,000 | 32,987,000 |
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 | 3,985,000 | 7,918,000 | 11,794,000 | 15,587,000 |
| Interest expense | 2,089,000 | 4,138,000 | 6,207,000 | 8,193,000 |
| Net interest income | 1,896,000 | 3,780,000 | 5,587,000 | 7,394,000 |
| Noninterest income | 410,000 | 710,000 | 950,000 | 1,522,000 |
| Noninterest expense | 1,369,000 | 2,695,000 | 4,118,000 | 5,700,000 |
| Provision for loan losses | 15,000 | 15,000 | 138,000 | 252,000 |
| Pretax income | 922,000 | 1,780,000 | 2,285,000 | 2,970,000 |
| Income tax | 323,000 | 623,000 | 800,000 | 916,000 |
| Net income | 599,000 | 1,157,000 | 1,485,000 | 2,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,424,000 | 21,058,000 | 21,462,000 | 21,982,000 |
| Total capital | 22,419,000 | 23,039,000 | 23,379,000 | 23,993,000 |
| Risk-weighted assets | 173,319,000 | 173,422,000 | 178,052,000 | 175,260,000 |
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