Call reports 2006
MENARD BANK — 2006
What MENARD 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 | 30,388,000 | 30,872,000 | 30,308,000 | 30,498,000 |
| Total loans | 12,344,000 | 12,854,000 | 12,663,000 | 11,787,000 |
| Allowance for loan losses | 98,000 | 127,000 | 134,000 | 134,000 |
| Securities available for sale | 14,757,000 | 14,504,000 | 13,514,000 | 12,999,000 |
| Securities held to maturity | 1,092,000 | 1,073,000 | 1,046,000 | 2,974,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,947,000 | 26,409,000 | 26,981,000 | 27,218,000 |
| Interest-bearing deposits | 22,684,000 | 22,186,000 | 22,040,000 | 22,306,000 |
| Noninterest-bearing deposits | 4,263,000 | 4,223,000 | 4,941,000 | 4,912,000 |
| Equity capital | 3,138,000 | 3,100,000 | 3,287,000 | 3,253,000 |
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 | 379,000 | 765,000 | 1,156,000 | 1,558,000 |
| Interest expense | 149,000 | 316,000 | 485,000 | 641,000 |
| Net interest income | 230,000 | 449,000 | 671,000 | 917,000 |
| Noninterest income | 29,000 | 60,000 | 89,000 | 114,000 |
| Noninterest expense | 192,000 | 372,000 | 574,000 | 767,000 |
| Provision for loan losses | 6,000 | 35,000 | 42,000 | 42,000 |
| Pretax income | 61,000 | 102,000 | 144,000 | 222,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 61,000 | 102,000 | 144,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,555,000 | 3,596,000 | 3,638,000 | 3,509,000 |
| Total capital | 3,653,000 | 3,723,000 | 3,772,000 | 3,643,000 |
| Risk-weighted assets | 16,256,000 | 16,886,000 | 16,418,000 | 15,693,000 |