Call reports 2006
FIRST PERSONAL BANK — 2006
What FIRST PERSONAL 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 | 178,454,000 | 181,076,000 | 188,520,000 | 190,874,000 |
| Total loans | 140,853,000 | 143,525,000 | 139,952,000 | 138,678,000 |
| Allowance for loan losses | 1,699,000 | 1,889,000 | 2,041,000 | 2,037,000 |
| Securities available for sale | 19,636,000 | 18,720,000 | 19,299,000 | 24,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,849,000 | 151,657,000 | 163,447,000 | 162,536,000 |
| Interest-bearing deposits | 138,886,000 | 140,670,000 | 152,867,000 | 151,675,000 |
| Noninterest-bearing deposits | 10,963,000 | 10,987,000 | 10,580,000 | 10,861,000 |
| Equity capital | 12,278,000 | 12,531,000 | 12,962,000 | 13,223,000 |
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 | 2,738,000 | 5,713,000 | 8,760,000 | 11,840,000 |
| Interest expense | 1,130,000 | 2,418,000 | 3,798,000 | 5,396,000 |
| Net interest income | 1,608,000 | 3,295,000 | 4,962,000 | 6,444,000 |
| Noninterest income | 143,000 | 334,000 | 573,000 | 719,000 |
| Noninterest expense | 1,152,000 | 2,277,000 | 3,483,000 | 4,602,000 |
| Provision for loan losses | 230,000 | 455,000 | 680,000 | 855,000 |
| Pretax income | 369,000 | 897,000 | 1,372,000 | 1,695,000 |
| Income tax | 126,000 | 307,000 | 473,000 | 579,000 |
| Net income | 243,000 | 590,000 | 899,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,473,000 | 12,821,000 | 13,130,000 | 13,347,000 |
| Total capital | 14,172,000 | 14,656,000 | 14,963,000 | 15,175,000 |
| Risk-weighted assets | 144,072,000 | 146,784,000 | 146,467,000 | 146,058,000 |