Call reports 2006
FIRST NATIONAL BANK OF DECATUR COUNTY — 2006
What FIRST NATIONAL BANK OF DECATUR 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 | 54,224,000 | 55,064,000 | 126,202,000 | 98,735,000 |
| Total loans | 40,230,000 | 44,560,000 | 47,714,000 | 49,963,000 |
| Allowance for loan losses | 477,000 | 513,000 | 560,000 | 591,000 |
| Securities available for sale | 4,849,000 | 4,539,000 | 4,386,000 | 4,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,832,000 | 48,299,000 | 118,855,000 | 90,961,000 |
| Interest-bearing deposits | 42,144,000 | 42,801,000 | 108,973,000 | 76,515,000 |
| Noninterest-bearing deposits | 5,688,000 | 5,498,000 | 9,882,000 | 14,446,000 |
| Equity capital | 6,074,000 | 6,180,000 | 6,542,000 | 6,868,000 |
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 | 880,000 | 1,872,000 | 3,120,000 | 4,849,000 |
| Interest expense | 343,000 | 739,000 | 1,264,000 | 2,155,000 |
| Net interest income | 537,000 | 1,133,000 | 1,856,000 | 2,694,000 |
| Noninterest income | 89,000 | 165,000 | 261,000 | 407,000 |
| Noninterest expense | 354,000 | 773,000 | 1,194,000 | 1,732,000 |
| Provision for loan losses | 42,000 | 78,000 | 125,000 | 160,000 |
| Pretax income | 230,000 | 447,000 | 798,000 | 1,209,000 |
| Income tax | 87,000 | 169,000 | 303,000 | 447,000 |
| Net income | 143,000 | 278,000 | 495,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,136,000 | 6,271,000 | 6,589,000 | 6,906,000 |
| Total capital | 6,613,000 | 6,784,000 | 7,149,000 | 7,497,000 |
| Risk-weighted assets | 40,762,000 | 43,740,000 | 58,687,000 | 57,116,000 |
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