Call reports 2006
INVESTAR BANK, NATIONAL ASSOCIATION — 2006
What INVESTAR BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Total assets | 13,843,000 | 23,485,000 | 29,785,000 |
| Total loans | 2,314,000 | 11,287,000 | 21,197,000 |
| Allowance for loan losses | 14,000 | 90,000 | 250,000 |
| Securities available for sale | 0 | 2,580,000 | 3,379,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 4,966,000 | 13,793,000 | 20,189,000 |
| Interest-bearing deposits | 4,687,000 | 12,608,000 | 18,761,000 |
| Noninterest-bearing deposits | 279,000 | 1,186,000 | 1,428,000 |
| Equity capital | 8,730,000 | 9,663,000 | 9,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Interest income | 67,000 | 412,000 | 961,000 |
| Interest expense | 10,000 | 114,000 | 316,000 |
| Net interest income | 57,000 | 298,000 | 645,000 |
| Noninterest income | 0 | 9,000 | 16,000 |
| Noninterest expense | 261,000 | 620,000 | 1,040,000 |
| Provision for loan losses | 14,000 | 90,000 | 250,000 |
| Pretax income | -218,000 | -403,000 | -629,000 |
| Income tax | -74,000 | -137,000 | -219,000 |
| Net income | -144,000 | -266,000 | -410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Tier 1 capital | 8,633,000 | 9,503,000 | 9,306,000 |
| Total capital | 8,647,000 | 9,593,000 | 9,556,000 |
| Risk-weighted assets | 4,903,000 | 13,348,000 | 21,794,000 |