Call reports 2006
ANDALUSIA COMMUNITY BANK — 2006
What ANDALUSIA COMMUNITY 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 | 25,220,000 | 26,496,000 | 25,425,000 | 25,689,000 |
| Total loans | 12,367,000 | 12,582,000 | 12,984,000 | 13,324,000 |
| Allowance for loan losses | 123,000 | 123,000 | 123,000 | 114,000 |
| Securities available for sale | 7,996,000 | 8,135,000 | 8,859,000 | 8,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,720,000 | 21,552,000 | 20,814,000 | 20,606,000 |
| Interest-bearing deposits | 17,935,000 | 18,709,000 | 17,864,000 | 17,646,000 |
| Noninterest-bearing deposits | 2,785,000 | 2,843,000 | 2,950,000 | 2,960,000 |
| Equity capital | 4,161,000 | 4,192,000 | 4,326,000 | 4,452,000 |
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 | 360,000 | 737,000 | 1,140,000 | 1,555,000 |
| Interest expense | 117,000 | 251,000 | 401,000 | 554,000 |
| Net interest income | 243,000 | 486,000 | 739,000 | 1,001,000 |
| Noninterest income | 66,000 | 133,000 | 200,000 | 270,000 |
| Noninterest expense | 184,000 | 381,000 | 581,000 | 762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 125,000 | 238,000 | 358,000 | 509,000 |
| Income tax | 38,000 | 72,000 | 108,000 | 152,000 |
| Net income | 87,000 | 166,000 | 250,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,194,000 | 4,273,000 | 4,357,000 | 4,463,000 |
| Total capital | 4,317,000 | 4,396,000 | 4,480,000 | 4,577,000 |
| Risk-weighted assets | 13,848,000 | 14,300,000 | 14,333,000 | 14,679,000 |