Call reports 2006
FIRST NATIONAL BANK OF SPEARVILLE — 2006
What FIRST NATIONAL BANK OF SPEARVILLE 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 | 17,941,000 | 17,709,000 | 21,217,000 | 21,991,000 |
| Total loans | 11,611,000 | 11,748,000 | 12,091,000 | 12,502,000 |
| Allowance for loan losses | 265,000 | 265,000 | 268,000 | 289,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,897,000 | 3,896,000 | 3,284,000 | 3,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,860,000 | 14,612,000 | 16,464,000 | 17,189,000 |
| Interest-bearing deposits | 12,908,000 | 12,509,000 | 14,395,000 | 15,001,000 |
| Noninterest-bearing deposits | 1,952,000 | 2,103,000 | 2,069,000 | 2,188,000 |
| Equity capital | 2,964,000 | 2,965,000 | 4,589,000 | 4,625,000 |
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 | 279,000 | 554,000 | 163,000 | 508,000 |
| Interest expense | 93,000 | 192,000 | 60,000 | 189,000 |
| Net interest income | 186,000 | 362,000 | 103,000 | 319,000 |
| Noninterest income | 14,000 | 28,000 | 31,000 | 98,000 |
| Noninterest expense | 134,000 | 264,000 | 74,000 | 234,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 126,000 | 61,000 | 183,000 |
| Income tax | 17,000 | 31,000 | 28,000 | 94,000 |
| Net income | 49,000 | 95,000 | 33,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,964,000 | 2,965,000 | 3,135,000 | 3,180,000 |
| Total capital | 3,128,000 | 3,132,000 | 3,312,000 | 3,362,000 |
| Risk-weighted assets | 13,050,000 | 13,245,000 | 14,111,000 | 14,569,000 |
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