Call reports 2006
NATIONAL BANK OF VERNON, THE — 2006
What NATIONAL BANK OF VERNON, 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 | 61,466,000 | 61,147,000 | 64,531,000 | 62,185,000 |
| Total loans | 31,608,000 | 30,502,000 | 29,179,000 | 27,795,000 |
| Allowance for loan losses | 1,069,000 | 961,000 | 891,000 | 874,000 |
| Securities available for sale | 19,565,000 | 19,727,000 | 20,740,000 | 17,606,000 |
| Securities held to maturity | 1,827,000 | 1,718,000 | 1,647,000 | 1,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,276,000 | 54,067,000 | 57,150,000 | 54,868,000 |
| Interest-bearing deposits | 43,679,000 | 42,256,000 | 44,029,000 | 41,472,000 |
| Noninterest-bearing deposits | 10,597,000 | 11,811,000 | 13,121,000 | 13,396,000 |
| Equity capital | 6,607,000 | 6,508,000 | 6,719,000 | 6,729,000 |
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 | 799,000 | 1,618,000 | 2,472,000 | 3,310,000 |
| Interest expense | 220,000 | 472,000 | 745,000 | 1,028,000 |
| Net interest income | 579,000 | 1,146,000 | 1,727,000 | 2,282,000 |
| Noninterest income | 103,000 | 214,000 | 330,000 | 436,000 |
| Noninterest expense | 697,000 | 1,359,000 | 2,055,000 | 2,823,000 |
| Provision for loan losses | 371,000 | 371,000 | 299,000 | 299,000 |
| Pretax income | -350,000 | -333,000 | -260,000 | -365,000 |
| Income tax | -138,000 | -138,000 | -109,000 | -183,000 |
| Net income | -212,000 | -195,000 | -151,000 | -182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,785,000 | 6,801,000 | 6,845,000 | 6,814,000 |
| Total capital | 7,199,000 | 7,207,000 | 7,246,000 | 7,195,000 |
| Risk-weighted assets | 32,608,000 | 31,903,000 | 31,600,000 | 30,028,000 |