Call reports 2006
NORBANK — 2006
What NORBANK 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 | 34,043,000 | 34,309,000 | 34,101,000 | 34,038,000 |
| Total loans | 15,043,000 | 15,559,000 | 15,795,000 | 15,781,000 |
| Allowance for loan losses | 279,000 | 252,000 | 221,000 | 224,000 |
| Securities available for sale | 16,450,000 | 16,270,000 | 16,499,000 | 16,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,621,000 | 31,971,000 | 31,522,000 | 31,204,000 |
| Interest-bearing deposits | 23,299,000 | 23,176,000 | 23,002,000 | 21,711,000 |
| Noninterest-bearing deposits | 8,322,000 | 8,795,000 | 8,520,000 | 9,493,000 |
| Equity capital | 2,167,000 | 2,084,000 | 2,377,000 | 2,364,000 |
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 | 464,000 | 946,000 | 1,441,000 | 1,957,000 |
| Interest expense | 118,000 | 250,000 | 394,000 | 541,000 |
| Net interest income | 346,000 | 696,000 | 1,047,000 | 1,416,000 |
| Noninterest income | 29,000 | 50,000 | 36,000 | 65,000 |
| Noninterest expense | 249,000 | 491,000 | 737,000 | 986,000 |
| Provision for loan losses | 0 | 0 | -34,000 | -29,000 |
| Pretax income | 126,000 | 255,000 | 380,000 | 524,000 |
| Income tax | 6,000 | 12,000 | 17,000 | 23,000 |
| Net income | 120,000 | 243,000 | 363,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,750,000 | 2,773,000 | 2,793,000 | 2,730,000 |
| Total capital | 2,975,000 | 3,004,000 | 3,014,000 | 2,954,000 |
| Risk-weighted assets | 17,942,000 | 18,461,000 | 18,077,000 | 18,139,000 |