Call reports 2006
FBT BANK & MORTGAGE — 2006
What FBT BANK & MORTGAGE 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 | 97,262,000 | 94,555,000 | 95,939,000 | 98,250,000 |
| Total loans | 67,865,000 | 67,392,000 | 68,806,000 | 67,379,000 |
| Allowance for loan losses | 1,177,000 | 1,149,000 | 1,171,000 | 1,183,000 |
| Securities available for sale | 17,333,000 | 10,083,000 | 17,687,000 | 18,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,496,000 | 79,937,000 | 80,735,000 | 82,830,000 |
| Interest-bearing deposits | 66,376,000 | 64,108,000 | 65,715,000 | 66,424,000 |
| Noninterest-bearing deposits | 16,120,000 | 15,829,000 | 15,020,000 | 16,406,000 |
| Equity capital | 8,315,000 | 8,209,000 | 8,862,000 | 9,078,000 |
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 | 1,475,000 | 3,067,000 | 4,704,000 | 6,393,000 |
| Interest expense | 527,000 | 1,083,000 | 1,669,000 | 2,289,000 |
| Net interest income | 948,000 | 1,984,000 | 3,035,000 | 4,104,000 |
| Noninterest income | 214,000 | 441,000 | 703,000 | 955,000 |
| Noninterest expense | 818,000 | 1,679,000 | 2,570,000 | 3,595,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 344,000 | 425,000 | 847,000 | 1,143,000 |
| Income tax | 100,000 | 204,000 | 217,000 | 334,000 |
| Net income | 244,000 | 221,000 | 630,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,430,000 | 8,407,000 | 8,815,000 | 8,995,000 |
| Total capital | 9,217,000 | 9,184,000 | 9,599,000 | 9,777,000 |
| Risk-weighted assets | 62,557,000 | 61,769,000 | 62,343,000 | 62,167,000 |