Call reports 2007
FIRST NATIONAL BANK OF CRESTVIEW — 2007
What FIRST NATIONAL BANK OF CRESTVIEW 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 | 162,324,000 | 161,343,000 | 164,690,000 | 161,003,000 |
| Total loans | 88,095,000 | 85,941,000 | 88,631,000 | 91,350,000 |
| Allowance for loan losses | 1,420,000 | 1,452,000 | 1,452,000 | 1,451,000 |
| Securities available for sale | 51,856,000 | 51,369,000 | 54,449,000 | 51,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,546,000 | 141,267,000 | 143,565,000 | 140,773,000 |
| Interest-bearing deposits | 113,842,000 | 114,594,000 | 116,905,000 | 114,740,000 |
| Noninterest-bearing deposits | 28,704,000 | 26,672,000 | 26,660,000 | 26,033,000 |
| Equity capital | 18,397,000 | 18,478,000 | 19,114,000 | 17,967,000 |
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 | 2,883,000 | 5,441,000 | 7,962,000 | 10,482,000 |
| Interest expense | 1,269,000 | 2,281,000 | 3,376,000 | 4,482,000 |
| Net interest income | 1,614,000 | 3,160,000 | 4,586,000 | 6,000,000 |
| Noninterest income | 162,000 | 408,000 | 602,000 | 814,000 |
| Noninterest expense | 1,021,000 | 2,120,000 | 3,176,000 | 4,133,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 728,000 | 1,391,000 | 1,955,000 | 2,650,000 |
| Income tax | 224,000 | 440,000 | 610,000 | 814,000 |
| Net income | 504,000 | 951,000 | 1,345,000 | 1,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,553,000 | 18,884,000 | 19,162,000 | 17,717,000 |
| Total capital | 19,973,000 | 20,309,000 | 20,607,000 | 19,164,000 |
| Risk-weighted assets | 115,714,000 | 113,966,000 | 115,609,000 | 115,747,000 |