Call reports 2006
FIRST NATIONAL BANK OF IZARD COUNTY — 2006
What FIRST NATIONAL BANK OF IZARD COUNTY 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 | 131,847,000 | 131,373,000 | 122,470,000 | 121,996,000 |
| Total loans | 65,415,000 | 64,782,000 | 65,835,000 | 64,721,000 |
| Allowance for loan losses | 655,000 | 696,000 | 681,000 | 668,000 |
| Securities available for sale | 28,051,000 | 27,729,000 | 29,548,000 | 30,033,000 |
| Securities held to maturity | 7,782,000 | 7,014,000 | 6,851,000 | 7,360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,156,000 | 99,339,000 | 89,437,000 | 88,660,000 |
| Interest-bearing deposits | 80,489,000 | 80,216,000 | 72,303,000 | 72,412,000 |
| Noninterest-bearing deposits | 19,667,000 | 19,123,000 | 17,134,000 | 16,248,000 |
| Equity capital | 30,803,000 | 31,228,000 | 32,136,000 | 32,482,000 |
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 | 1,808,000 | 3,636,000 | 5,498,000 | 7,384,000 |
| Interest expense | 583,000 | 1,214,000 | 1,825,000 | 2,456,000 |
| Net interest income | 1,225,000 | 2,422,000 | 3,673,000 | 4,928,000 |
| Noninterest income | 254,000 | 536,000 | 812,000 | 1,139,000 |
| Noninterest expense | 676,000 | 1,344,000 | 2,015,000 | 3,107,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 803,000 | 1,626,000 | 2,482,000 | 2,972,000 |
| Income tax | 210,000 | 395,000 | 635,000 | 885,000 |
| Net income | 593,000 | 1,231,000 | 1,847,000 | 2,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,259,000 | 30,471,000 | 32,601,000 | 32,841,000 |
| Total capital | 30,914,000 | 31,167,000 | 33,282,000 | 33,509,000 |
| Risk-weighted assets | 74,880,000 | 74,525,000 | 73,274,000 | 72,490,000 |