Call reports 2006
NECEDAH BANK, THE — 2006
What NECEDAH BANK, 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 | 43,175,000 | 44,324,000 | 45,996,000 | 45,736,000 |
| Total loans | 29,922,000 | 30,410,000 | 31,666,000 | 31,170,000 |
| Allowance for loan losses | 322,000 | 336,000 | 345,000 | 321,000 |
| Securities available for sale | 7,627,000 | 7,681,000 | 7,649,000 | 8,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,532,000 | 33,572,000 | 34,038,000 | 33,665,000 |
| Interest-bearing deposits | 27,209,000 | 28,988,000 | 29,505,000 | 28,789,000 |
| Noninterest-bearing deposits | 4,323,000 | 4,584,000 | 4,533,000 | 4,876,000 |
| Equity capital | 6,065,000 | 6,144,000 | 6,395,000 | 6,473,000 |
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 | 549,000 | 1,146,000 | 1,807,000 | 2,488,000 |
| Interest expense | 211,000 | 467,000 | 768,000 | 1,093,000 |
| Net interest income | 338,000 | 679,000 | 1,039,000 | 1,395,000 |
| Noninterest income | 69,000 | 122,000 | 185,000 | 245,000 |
| Noninterest expense | 227,000 | 474,000 | 708,000 | 959,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 165,000 | 297,000 | 471,000 | 626,000 |
| Income tax | 58,000 | 91,000 | 72,000 | 112,000 |
| Net income | 107,000 | 206,000 | 399,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,645,000 | 3,751,000 | 3,951,000 | 4,022,000 |
| Total capital | 3,967,000 | 4,087,000 | 4,296,000 | 4,343,000 |
| Risk-weighted assets | 30,700,000 | 31,743,000 | 32,937,000 | 32,351,000 |