Call reports 2006
FIRST NATIONAL BANK OF AVA, THE — 2006
What FIRST NATIONAL BANK OF AVA, 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 | 43,276,000 | 43,656,000 | 44,924,000 | 45,694,000 |
| Total loans | 30,146,000 | 30,854,000 | 31,350,000 | 31,091,000 |
| Allowance for loan losses | 556,000 | 609,000 | 600,000 | 558,000 |
| Securities available for sale | 10,745,000 | 10,848,000 | 10,968,000 | 11,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,808,000 | 37,825,000 | 38,969,000 | 39,913,000 |
| Interest-bearing deposits | 33,628,000 | 33,829,000 | 34,577,000 | 35,468,000 |
| Noninterest-bearing deposits | 4,180,000 | 3,996,000 | 4,391,000 | 4,445,000 |
| Equity capital | 5,257,000 | 5,260,000 | 5,446,000 | 5,508,000 |
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 | 697,000 | 1,414,000 | 2,150,000 | 2,917,000 |
| Interest expense | 233,000 | 495,000 | 771,000 | 1,065,000 |
| Net interest income | 464,000 | 919,000 | 1,379,000 | 1,852,000 |
| Noninterest income | 55,000 | 91,000 | 127,000 | 158,000 |
| Noninterest expense | 315,000 | 595,000 | 900,000 | 1,215,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 197,000 | 408,000 | 595,000 | 784,000 |
| Income tax | 60,000 | 126,000 | 182,000 | 234,000 |
| Net income | 137,000 | 282,000 | 413,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,325,000 | 5,525,000 | 5,468,000 | 5,505,000 |
| Total capital | 5,701,000 | 5,902,000 | 5,852,000 | 5,887,000 |
| Risk-weighted assets | 29,923,000 | 29,927,000 | 30,520,000 | 30,300,000 |