Call reports 2006
FIRST NATIONAL BANK OF CARMI, THE — 2006
What FIRST NATIONAL BANK OF CARMI, 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 | 196,486,000 | 196,952,000 | 206,155,000 | 221,131,000 |
| Total loans | 133,396,000 | 136,535,000 | 139,405,000 | 138,136,000 |
| Allowance for loan losses | 1,801,000 | 1,843,000 | 1,881,000 | 1,760,000 |
| Securities available for sale | 35,250,000 | 33,738,000 | 33,296,000 | 51,535,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,495,000 | 177,098,000 | 185,651,000 | 198,114,000 |
| Interest-bearing deposits | 148,537,000 | 150,786,000 | 160,216,000 | 170,651,000 |
| Noninterest-bearing deposits | 25,958,000 | 26,312,000 | 25,436,000 | 27,463,000 |
| Equity capital | 19,172,000 | 19,102,000 | 19,572,000 | 19,794,000 |
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 | 3,001,000 | 6,093,000 | 9,198,000 | 12,640,000 |
| Interest expense | 1,049,000 | 2,158,000 | 3,379,000 | 4,877,000 |
| Net interest income | 1,952,000 | 3,935,000 | 5,819,000 | 7,763,000 |
| Noninterest income | 512,000 | 1,168,000 | 1,667,000 | 2,201,000 |
| Noninterest expense | 1,798,000 | 3,780,000 | 5,575,000 | 7,630,000 |
| Provision for loan losses | 73,000 | 189,000 | 283,000 | 297,000 |
| Pretax income | 593,000 | 1,134,000 | 1,628,000 | 2,037,000 |
| Income tax | 173,000 | 327,000 | 459,000 | 603,000 |
| Net income | 420,000 | 807,000 | 1,169,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,651,000 | 16,938,000 | 17,115,000 | 17,283,000 |
| Total capital | 18,439,000 | 18,756,000 | 18,996,000 | 19,042,000 |
| Risk-weighted assets | 142,477,000 | 148,477,000 | 150,623,000 | 149,872,000 |
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