Call reports 2006
FIRST NATIONAL BANK IN STAUNTON, THE — 2006
What FIRST NATIONAL BANK IN STAUNTON, 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 | 360,565,000 | 363,362,000 | 366,426,000 | 379,305,000 |
| Total loans | 241,671,000 | 250,828,000 | 256,954,000 | 260,124,000 |
| Allowance for loan losses | 3,151,000 | 3,234,000 | 3,479,000 | 3,789,000 |
| Securities available for sale | 80,567,000 | 75,488,000 | 77,189,000 | 87,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,033,000 | 305,645,000 | 306,848,000 | 316,248,000 |
| Interest-bearing deposits | 261,093,000 | 260,588,000 | 263,231,000 | 270,294,000 |
| Noninterest-bearing deposits | 42,940,000 | 45,057,000 | 43,617,000 | 45,953,000 |
| Equity capital | 36,382,000 | 36,577,000 | 38,014,000 | 39,150,000 |
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 | 4,781,000 | 9,828,000 | 15,111,000 | 20,610,000 |
| Interest expense | 1,738,000 | 3,631,000 | 5,690,000 | 7,981,000 |
| Net interest income | 3,043,000 | 6,197,000 | 9,421,000 | 12,629,000 |
| Noninterest income | 660,000 | 1,360,000 | 2,100,000 | 2,839,000 |
| Noninterest expense | 2,135,000 | 4,325,000 | 6,589,000 | 9,064,000 |
| Provision for loan losses | 45,000 | 120,000 | 320,000 | 700,000 |
| Pretax income | 1,510,000 | 3,099,000 | 4,599,000 | 5,691,000 |
| Income tax | 17,000 | 39,000 | 55,000 | 60,000 |
| Net income | 1,493,000 | 3,060,000 | 4,544,000 | 5,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,280,000 | 31,712,000 | 32,581,000 | 33,755,000 |
| Total capital | 34,417,000 | 34,918,000 | 35,852,000 | 36,859,000 |
| Risk-weighted assets | 250,869,000 | 256,394,000 | 261,378,000 | 271,356,000 |
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