Call reports 2006
FIRST NATIONAL BANK OF MANCHESTER — 2006
What FIRST NATIONAL BANK OF MANCHESTER 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 | 157,711,000 | 157,460,000 | 159,369,000 | 161,842,000 |
| Total loans | 106,024,000 | 108,620,000 | 110,621,000 | 112,090,000 |
| Allowance for loan losses | 1,338,000 | 1,359,000 | 1,328,000 | 1,303,000 |
| Securities available for sale | 33,274,000 | 30,464,000 | 30,060,000 | 29,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,033,000 | 136,626,000 | 135,932,000 | 138,156,000 |
| Interest-bearing deposits | 110,942,000 | 108,338,000 | 108,695,000 | 109,554,000 |
| Noninterest-bearing deposits | 26,091,000 | 28,288,000 | 27,237,000 | 28,603,000 |
| Equity capital | 17,549,000 | 17,863,000 | 18,309,000 | 18,594,000 |
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 | 2,293,000 | 4,691,000 | 7,229,000 | 9,879,000 |
| Interest expense | 786,000 | 1,629,000 | 2,556,000 | 3,555,000 |
| Net interest income | 1,507,000 | 3,062,000 | 4,673,000 | 6,324,000 |
| Noninterest income | 252,000 | 559,000 | 887,000 | 1,251,000 |
| Noninterest expense | 929,000 | 1,855,000 | 2,786,000 | 3,755,000 |
| Provision for loan losses | 38,000 | 77,000 | 115,000 | 153,000 |
| Pretax income | 792,000 | 1,689,000 | 2,659,000 | 3,669,000 |
| Income tax | 286,000 | 594,000 | 936,000 | 1,265,000 |
| Net income | 506,000 | 1,095,000 | 1,723,000 | 2,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,701,000 | 18,032,000 | 18,324,000 | 18,562,000 |
| Total capital | 18,561,000 | 18,888,000 | 19,125,000 | 19,335,000 |
| Risk-weighted assets | 108,733,000 | 110,214,000 | 110,806,000 | 113,371,000 |