Call reports 2006
FIRST NATIONAL EXCHANGE BANK — 2006
What FIRST NATIONAL EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 209,465,000 | 209,744,000 | 213,232,000 |
| Total loans | 127,803,000 | 128,414,000 | 128,080,000 |
| Allowance for loan losses | 1,914,000 | 1,946,000 | 1,981,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 54,766,000 | 53,770,000 | 55,775,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 189,319,000 | 189,399,000 | 192,496,000 |
| Interest-bearing deposits | 163,701,000 | 165,017,000 | 168,050,000 |
| Noninterest-bearing deposits | 25,618,000 | 24,382,000 | 24,446,000 |
| Equity capital | 19,694,000 | 19,851,000 | 19,989,000 |
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 |
|---|---|---|---|
| Interest income | 2,555,000 | 5,236,000 | 8,016,000 |
| Interest expense | 1,275,000 | 2,604,000 | 4,048,000 |
| Net interest income | 1,280,000 | 2,632,000 | 3,968,000 |
| Noninterest income | 175,000 | 330,000 | 484,000 |
| Noninterest expense | 1,324,000 | 2,659,000 | 3,991,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 |
| Pretax income | 116,000 | 273,000 | 416,000 |
| Income tax | -10,000 | -10,000 | -5,000 |
| Net income | 126,000 | 283,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 19,694,000 | 19,851,000 | 19,989,000 |
| Total capital | 21,391,000 | 21,571,000 | 21,703,000 |
| Risk-weighted assets | 135,515,000 | 137,373,000 | 136,879,000 |