Call reports 2007
NORTH AMERICAN STATE BANK — 2007
What NORTH AMERICAN STATE 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 | 115,954,000 | 107,442,000 | 109,752,000 | 109,183,000 |
| Total loans | 83,539,000 | 81,921,000 | 84,979,000 | 83,283,000 |
| Allowance for loan losses | 1,082,000 | 1,063,000 | 1,040,000 | 1,111,000 |
| Securities available for sale | 12,483,000 | 12,393,000 | 12,505,000 | 12,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,098,000 | 87,983,000 | 87,950,000 | 87,501,000 |
| Interest-bearing deposits | 84,443,000 | 78,828,000 | 78,059,000 | 75,955,000 |
| Noninterest-bearing deposits | 9,655,000 | 9,155,000 | 9,891,000 | 11,546,000 |
| Equity capital | 10,905,000 | 11,022,000 | 11,285,000 | 11,306,000 |
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 | 1,888,000 | 3,916,000 | 5,828,000 | 7,650,000 |
| Interest expense | 969,000 | 1,925,000 | 2,816,000 | 3,639,000 |
| Net interest income | 919,000 | 1,991,000 | 3,012,000 | 4,011,000 |
| Noninterest income | 83,000 | 272,000 | 374,000 | 384,000 |
| Noninterest expense | 826,000 | 1,754,000 | 2,651,000 | 3,616,000 |
| Provision for loan losses | 114,000 | 244,000 | 319,000 | 411,000 |
| Pretax income | 62,000 | 265,000 | 416,000 | 368,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 265,000 | 416,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,960,000 | 11,164,000 | 11,314,000 | 11,265,000 |
| Total capital | 12,042,000 | 12,227,000 | 12,354,000 | 12,376,000 |
| Risk-weighted assets | 93,766,000 | 91,186,000 | 94,529,000 | 92,151,000 |