Call reports 2006
POLK COUNTY BANK — 2006
What POLK COUNTY 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 | 148,891,000 | 154,009,000 | 162,413,000 | 163,100,000 |
| Total loans | 131,986,000 | 136,297,000 | 139,612,000 | 140,925,000 |
| Allowance for loan losses | 1,825,000 | 1,523,000 | 1,685,000 | 1,656,000 |
| Securities available for sale | 6,216,000 | 5,951,000 | 5,941,000 | 5,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,639,000 | 122,185,000 | 121,591,000 | 123,237,000 |
| Interest-bearing deposits | 98,489,000 | 103,762,000 | 103,442,000 | 101,414,000 |
| Noninterest-bearing deposits | 20,150,000 | 18,423,000 | 18,149,000 | 21,823,000 |
| Equity capital | 12,897,000 | 12,820,000 | 15,128,000 | 14,856,000 |
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 | 2,616,000 | 5,582,000 | 8,501,000 | 11,422,000 |
| Interest expense | 927,000 | 2,006,000 | 3,227,000 | 4,500,000 |
| Net interest income | 1,689,000 | 3,576,000 | 5,274,000 | 6,922,000 |
| Noninterest income | 196,000 | 454,000 | 729,000 | 1,008,000 |
| Noninterest expense | 977,000 | 2,209,000 | 3,301,000 | 4,910,000 |
| Provision for loan losses | 116,000 | 647,000 | 913,000 | 1,298,000 |
| Pretax income | 792,000 | 1,174,000 | 1,789,000 | 1,722,000 |
| Income tax | 39,000 | 75,000 | 115,000 | 121,000 |
| Net income | 753,000 | 1,099,000 | 1,674,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,981,000 | 12,948,000 | 15,199,000 | 14,926,000 |
| Total capital | 14,605,000 | 14,345,000 | 16,813,000 | 16,512,000 |
| Risk-weighted assets | 128,921,000 | 134,024,000 | 138,779,000 | 130,099,000 |