Call reports 2007
SECOND NATIONAL BANK — 2007
What SECOND NATIONAL 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 | 392,537,000 | 394,412,000 | 438,345,000 | 434,862,000 |
| Total loans | 230,032,000 | 237,928,000 | 242,610,000 | 249,858,000 |
| Allowance for loan losses | 4,210,000 | 4,217,000 | 4,223,000 | 4,355,000 |
| Securities available for sale | 123,360,000 | 116,091,000 | 113,182,000 | 110,090,000 |
| Securities held to maturity | 14,234,000 | 14,121,000 | 13,952,000 | 13,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,023,000 | 248,256,000 | 248,711,000 | 246,781,000 |
| Interest-bearing deposits | 205,720,000 | 207,471,000 | 210,068,000 | 202,578,000 |
| Noninterest-bearing deposits | 42,303,000 | 40,785,000 | 38,643,000 | 44,203,000 |
| Equity capital | 20,621,000 | 19,445,000 | 20,542,000 | 22,502,000 |
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 | 5,860,000 | 11,884,000 | 18,027,000 | 24,769,000 |
| Interest expense | 2,788,000 | 5,738,000 | 8,790,000 | 12,138,000 |
| Net interest income | 3,072,000 | 6,146,000 | 9,237,000 | 12,631,000 |
| Noninterest income | 598,000 | 1,285,000 | 2,037,000 | 2,736,000 |
| Noninterest expense | 2,051,000 | 3,932,000 | 5,854,000 | 7,989,000 |
| Provision for loan losses | 40,000 | 75,000 | 115,000 | 450,000 |
| Pretax income | 1,579,000 | 3,424,000 | 5,305,000 | 6,928,000 |
| Income tax | 474,000 | 1,041,000 | 1,600,000 | 2,081,000 |
| Net income | 1,105,000 | 2,383,000 | 3,705,000 | 4,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,177,000 | 22,256,000 | 22,278,000 | 22,921,000 |
| Total capital | 27,815,000 | 27,977,000 | 28,154,000 | 28,814,000 |
| Risk-weighted assets | 249,989,000 | 256,671,000 | 269,540,000 | 269,911,000 |