Call reports 2006
JOHN O. MELBY & CO. BANK — 2006
What JOHN O. MELBY & CO. BANK 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 | 37,767,000 | 39,140,000 | 38,937,000 | 40,363,000 |
| Total loans | 22,664,000 | 23,449,000 | 24,090,000 | 24,256,000 |
| Allowance for loan losses | 303,000 | 303,000 | 300,000 | 300,000 |
| Securities available for sale | 13,597,000 | 13,163,000 | 13,275,000 | 12,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,660,000 | 33,240,000 | 32,720,000 | 34,222,000 |
| Interest-bearing deposits | 29,345,000 | 29,500,000 | 28,680,000 | 30,292,000 |
| Noninterest-bearing deposits | 3,315,000 | 3,740,000 | 4,040,000 | 3,930,000 |
| Equity capital | 3,620,000 | 3,526,000 | 3,795,000 | 3,771,000 |
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 | 524,000 | 1,064,000 | 1,619,000 | 2,203,000 |
| Interest expense | 197,000 | 413,000 | 660,000 | 917,000 |
| Net interest income | 327,000 | 651,000 | 959,000 | 1,286,000 |
| Noninterest income | 28,000 | 63,000 | 102,000 | 131,000 |
| Noninterest expense | 294,000 | 608,000 | 896,000 | 1,202,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 60,000 | 105,000 | 164,000 | 213,000 |
| Income tax | 4,000 | 6,000 | 8,000 | 10,000 |
| Net income | 56,000 | 99,000 | 156,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,003,000 | 4,008,000 | 4,065,000 | 4,001,000 |
| Total capital | 4,292,000 | 4,308,000 | 4,365,000 | 4,301,000 |
| Risk-weighted assets | 23,146,000 | 23,988,000 | 24,679,000 | 24,886,000 |
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