Call reports 2006
FIRST NATIONAL BANK OF NIAGARA, THE — 2006
What FIRST NATIONAL BANK OF NIAGARA, THE 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 | 62,785,000 | 61,150,000 | 62,515,000 | 63,963,000 |
| Total loans | 47,864,000 | 48,364,000 | 46,130,000 | 47,190,000 |
| Allowance for loan losses | 532,000 | 539,000 | 544,000 | 463,000 |
| Securities available for sale | 5,000,000 | 4,951,000 | 5,028,000 | 8,532,000 |
| Securities held to maturity | 4,310,000 | 4,309,000 | 4,307,000 | 4,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,470,000 | 48,902,000 | 50,623,000 | 52,022,000 |
| Interest-bearing deposits | 45,368,000 | 44,687,000 | 46,368,000 | 48,100,000 |
| Noninterest-bearing deposits | 7,102,000 | 4,215,000 | 4,255,000 | 3,922,000 |
| Equity capital | 8,508,000 | 8,634,000 | 8,820,000 | 9,007,000 |
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 | 955,000 | 1,974,000 | 3,008,000 | 4,090,000 |
| Interest expense | 314,000 | 661,000 | 1,044,000 | 1,466,000 |
| Net interest income | 641,000 | 1,313,000 | 1,964,000 | 2,624,000 |
| Noninterest income | 48,000 | 118,000 | 190,000 | 262,000 |
| Noninterest expense | 510,000 | 1,005,000 | 1,504,000 | 1,960,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 164,000 | 396,000 | 605,000 | 866,000 |
| Income tax | 51,000 | 129,000 | 197,000 | 282,000 |
| Net income | 113,000 | 267,000 | 408,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,625,000 | 8,773,000 | 8,907,000 | 9,078,000 |
| Total capital | 9,143,000 | 9,283,000 | 9,400,000 | 9,541,000 |
| Risk-weighted assets | 41,420,000 | 40,800,000 | 39,561,000 | 41,004,000 |
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