Call reports 2006
FALLS CITY NATIONAL BANK, THE — 2006
What FALLS CITY NATIONAL BANK, 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 | 113,168,000 | 112,141,000 | 112,187,000 | 114,163,000 |
| Total loans | 61,112,000 | 62,517,000 | 65,447,000 | 66,671,000 |
| Allowance for loan losses | 153,000 | 179,000 | 190,000 | 276,000 |
| Securities available for sale | 3,637,000 | 3,347,000 | 2,911,000 | 2,904,000 |
| Securities held to maturity | 27,763,000 | 26,951,000 | 25,741,000 | 26,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,295,000 | 97,816,000 | 97,222,000 | 99,420,000 |
| Interest-bearing deposits | 80,235,000 | 78,890,000 | 74,391,000 | 79,531,000 |
| Noninterest-bearing deposits | 19,059,000 | 18,926,000 | 22,831,000 | 19,888,000 |
| Equity capital | 13,185,000 | 13,756,000 | 14,171,000 | 14,192,000 |
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 | 1,843,000 | 3,825,000 | 5,904,000 | 8,056,000 |
| Interest expense | 523,000 | 1,111,000 | 1,727,000 | 2,385,000 |
| Net interest income | 1,320,000 | 2,714,000 | 4,177,000 | 5,671,000 |
| Noninterest income | 80,000 | 163,000 | 256,000 | 343,000 |
| Noninterest expense | 492,000 | 1,037,000 | 1,559,000 | 2,301,000 |
| Provision for loan losses | 20,000 | 145,000 | 160,000 | 300,000 |
| Pretax income | 888,000 | 1,695,000 | 2,714,000 | 3,413,000 |
| Income tax | 274,000 | 490,000 | 817,000 | 1,055,000 |
| Net income | 614,000 | 1,205,000 | 1,897,000 | 2,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,218,000 | 13,807,000 | 14,201,000 | 14,221,000 |
| Total capital | 13,371,000 | 13,986,000 | 14,391,000 | 14,497,000 |
| Risk-weighted assets | 62,875,000 | 63,662,000 | 66,196,000 | 67,699,000 |