Call reports 2006
BANK OF CASHTON — 2006
What BANK OF CASHTON 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 | 50,205,000 | 48,971,000 | 50,082,000 | 48,979,000 |
| Total loans | 38,426,000 | 37,613,000 | 36,995,000 | 36,414,000 |
| Allowance for loan losses | 683,000 | 683,000 | 683,000 | 636,000 |
| Securities available for sale | 8,525,000 | 8,568,000 | 8,787,000 | 8,939,000 |
| Securities held to maturity | 80,000 | 35,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,095,000 | 42,359,000 | 43,496,000 | 42,771,000 |
| Interest-bearing deposits | 38,378,000 | 37,599,000 | 38,428,000 | 37,452,000 |
| Noninterest-bearing deposits | 4,717,000 | 4,760,000 | 5,068,000 | 5,319,000 |
| Equity capital | 4,317,000 | 4,421,000 | 4,633,000 | 4,449,000 |
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 | 815,000 | 1,645,000 | 2,473,000 | 3,315,000 |
| Interest expense | 328,000 | 690,000 | 1,063,000 | 1,450,000 |
| Net interest income | 487,000 | 955,000 | 1,410,000 | 1,865,000 |
| Noninterest income | 59,000 | 117,000 | 179,000 | 248,000 |
| Noninterest expense | 365,000 | 705,000 | 1,073,000 | 1,457,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 181,000 | 367,000 | 516,000 | 656,000 |
| Income tax | 50,000 | 79,000 | 102,000 | 144,000 |
| Net income | 131,000 | 288,000 | 414,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,369,000 | 4,316,000 | 4,652,000 | 4,479,000 |
| Total capital | 4,898,000 | 4,834,000 | 5,164,000 | 4,980,000 |
| Risk-weighted assets | 41,425,000 | 40,623,000 | 40,026,000 | 39,217,000 |