Call reports 2006
BANK NORTH — 2006
What BANK NORTH reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,769,000 | 103,754,000 | 104,091,000 | 104,536,000 |
| Total loans | 66,892,000 | 70,210,000 | 71,274,000 | 71,792,000 |
| Allowance for loan losses | 780,000 | 798,000 | 815,000 | 825,000 |
| Securities available for sale | 30,694,000 | 28,372,000 | 27,985,000 | 27,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,916,000 | 81,674,000 | 85,427,000 | 83,922,000 |
| Interest-bearing deposits | 67,800,000 | 65,101,000 | 69,543,000 | 68,507,000 |
| Noninterest-bearing deposits | 16,116,000 | 16,573,000 | 15,884,000 | 15,415,000 |
| Equity capital | 11,311,000 | 11,145,000 | 11,496,000 | 11,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,393,000 | 2,818,000 | 4,307,000 | 5,844,000 |
| Interest expense | 539,000 | 1,127,000 | 1,793,000 | 2,499,000 |
| Net interest income | 854,000 | 1,691,000 | 2,514,000 | 3,345,000 |
| Noninterest income | 80,000 | 189,000 | 274,000 | 357,000 |
| Noninterest expense | 757,000 | 1,527,000 | 2,338,000 | 3,138,000 |
| Provision for loan losses | 6,000 | 24,000 | 42,000 | 60,000 |
| Pretax income | 171,000 | 329,000 | 408,000 | 504,000 |
| Income tax | 5,000 | 10,000 | -92,000 | -109,000 |
| Net income | 166,000 | 319,000 | 500,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,280,000 | 11,263,000 | 11,444,000 | 11,500,000 |
| Total capital | 12,060,000 | 12,061,000 | 12,259,000 | 12,325,000 |
| Risk-weighted assets | 62,846,000 | 65,057,000 | 66,266,000 | 66,610,000 |