Call reports 2006
FNB COWETA — 2006
What FNB COWETA 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 | 63,577,000 | 61,249,000 | 60,990,000 | 61,936,000 |
| Total loans | 30,848,000 | 30,475,000 | 30,934,000 | 31,886,000 |
| Allowance for loan losses | 274,000 | 233,000 | 239,000 | 272,000 |
| Securities available for sale | 8,772,000 | 9,502,000 | 8,577,000 | 9,394,000 |
| Securities held to maturity | 16,626,000 | 16,212,000 | 15,020,000 | 14,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,235,000 | 56,730,000 | 56,197,000 | 57,377,000 |
| Interest-bearing deposits | 46,666,000 | 44,482,000 | 45,115,000 | 45,871,000 |
| Noninterest-bearing deposits | 12,569,000 | 12,248,000 | 11,082,000 | 11,506,000 |
| Equity capital | 4,167,000 | 4,243,000 | 4,416,000 | 4,423,000 |
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 | 849,000 | 1,759,000 | 2,650,000 | 3,575,000 |
| Interest expense | 241,000 | 482,000 | 739,000 | 1,018,000 |
| Net interest income | 608,000 | 1,277,000 | 1,911,000 | 2,557,000 |
| Noninterest income | 168,000 | 351,000 | 525,000 | 699,000 |
| Noninterest expense | 645,000 | 1,324,000 | 1,960,000 | 2,605,000 |
| Provision for loan losses | 45,000 | 100,000 | 145,000 | 205,000 |
| Pretax income | 86,000 | 204,000 | 331,000 | 446,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 86,000 | 204,000 | 331,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,297,000 | 4,390,000 | 4,493,000 | 4,482,000 |
| Total capital | 4,571,000 | 4,623,000 | 4,732,000 | 4,754,000 |
| Risk-weighted assets | 34,485,000 | 33,628,000 | 33,024,000 | 35,044,000 |