Call reports 2006
FIRST NATIONAL BANK OF GIRARD — 2006
What FIRST NATIONAL BANK OF GIRARD 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 | 72,099,000 | 74,215,000 | 74,004,000 | 77,825,000 |
| Total loans | 45,720,000 | 46,793,000 | 46,641,000 | 46,115,000 |
| Allowance for loan losses | 544,000 | 552,000 | 490,000 | 506,000 |
| Securities available for sale | 23,489,000 | 24,905,000 | 24,924,000 | 24,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,902,000 | 59,553,000 | 56,796,000 | 63,283,000 |
| Interest-bearing deposits | 51,249,000 | 52,083,000 | 49,563,000 | 55,756,000 |
| Noninterest-bearing deposits | 7,653,000 | 7,470,000 | 7,233,000 | 7,526,000 |
| Equity capital | 6,833,000 | 6,817,000 | 7,071,000 | 7,029,000 |
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 | 1,002,000 | 2,059,000 | 3,146,000 | 4,270,000 |
| Interest expense | 440,000 | 952,000 | 1,502,000 | 2,081,000 |
| Net interest income | 562,000 | 1,107,000 | 1,644,000 | 2,189,000 |
| Noninterest income | 81,000 | 188,000 | 291,000 | 371,000 |
| Noninterest expense | 331,000 | 636,000 | 989,000 | 1,470,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 80,000 |
| Pretax income | 292,000 | 619,000 | 886,000 | 1,010,000 |
| Income tax | 10,000 | 21,000 | 27,000 | 36,000 |
| Net income | 282,000 | 598,000 | 859,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,980,000 | 7,036,000 | 7,128,000 | 7,073,000 |
| Total capital | 7,524,000 | 7,588,000 | 7,618,000 | 7,579,000 |
| Risk-weighted assets | 52,888,000 | 47,245,000 | 46,002,000 | 46,553,000 |
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