Call reports 2006
O'BANNON BANKING COMPANY — 2006
What O'BANNON BANKING COMPANY 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 | 133,751,000 | 138,736,000 | 137,893,000 | 141,233,000 |
| Total loans | 102,042,000 | 107,962,000 | 110,501,000 | 110,180,000 |
| Allowance for loan losses | 1,438,000 | 1,417,000 | 1,444,000 | 1,366,000 |
| Securities available for sale | 17,507,000 | 16,535,000 | 14,061,000 | 16,083,000 |
| Securities held to maturity | 4,226,000 | 4,124,000 | 4,121,000 | 3,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,810,000 | 109,513,000 | 110,540,000 | 116,466,000 |
| Interest-bearing deposits | 93,474,000 | 91,835,000 | 94,360,000 | 101,653,000 |
| Noninterest-bearing deposits | 16,336,000 | 17,678,000 | 16,180,000 | 14,813,000 |
| Equity capital | 10,859,000 | 11,149,000 | 11,311,000 | 11,710,000 |
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 | 1,936,000 | 4,070,000 | 6,350,000 | 8,701,000 |
| Interest expense | 770,000 | 1,619,000 | 2,602,000 | 3,663,000 |
| Net interest income | 1,166,000 | 2,451,000 | 3,748,000 | 5,038,000 |
| Noninterest income | 179,000 | 377,000 | 589,000 | 783,000 |
| Noninterest expense | 941,000 | 1,862,000 | 2,793,000 | 3,714,000 |
| Provision for loan losses | 6,000 | 18,000 | 63,000 | 118,000 |
| Pretax income | 398,000 | 948,000 | 1,475,000 | 1,983,000 |
| Income tax | 125,000 | 303,000 | 474,000 | 623,000 |
| Net income | 273,000 | 645,000 | 1,001,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,125,000 | 11,498,000 | 11,466,000 | 11,827,000 |
| Total capital | 12,347,000 | 12,802,000 | 12,779,000 | 13,143,000 |
| Risk-weighted assets | 97,506,000 | 104,216,000 | 104,896,000 | 105,260,000 |