Call reports 2007
FIRST NATIONAL BANK OF RAYMOND, THE — 2007
What FIRST NATIONAL BANK OF RAYMOND, 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 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 102,911,000 | 102,622,000 | 106,022,000 | 107,749,000 |
| Total loans | 61,096,000 | 63,257,000 | 63,427,000 | 66,494,000 |
| Allowance for loan losses | 535,000 | 516,000 | 585,000 | 598,000 |
| Securities available for sale | 33,190,000 | 32,283,000 | 33,683,000 | 32,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,515,000 | 91,008,000 | 94,030,000 | 93,027,000 |
| Interest-bearing deposits | 75,713,000 | 77,729,000 | 80,646,000 | 77,722,000 |
| Noninterest-bearing deposits | 14,802,000 | 13,279,000 | 13,384,000 | 15,305,000 |
| Equity capital | 9,817,000 | 9,616,000 | 10,225,000 | 10,562,000 |
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 | 1,477,000 | 3,044,000 | 4,624,000 | 6,219,000 |
| Interest expense | 601,000 | 1,251,000 | 1,930,000 | 2,606,000 |
| Net interest income | 876,000 | 1,793,000 | 2,694,000 | 3,613,000 |
| Noninterest income | 169,000 | 359,000 | 552,000 | 730,000 |
| Noninterest expense | 742,000 | 1,525,000 | 2,288,000 | 3,093,000 |
| Provision for loan losses | 0 | 0 | 73,000 | 98,000 |
| Pretax income | 175,000 | 480,000 | 738,000 | 1,012,000 |
| Income tax | -105,000 | -185,000 | -185,000 | -185,000 |
| Net income | 280,000 | 665,000 | 923,000 | 1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,337,000 | 10,701,000 | 10,728,000 | 10,473,000 |
| Total capital | 10,872,000 | 11,217,000 | 11,313,000 | 11,071,000 |
| Risk-weighted assets | 78,722,000 | 77,264,000 | 81,219,000 | 89,597,000 |