Call reports 2006
FIRST NATIONAL BANK OF MCHENRY, THE — 2006
What FIRST NATIONAL BANK OF MCHENRY, THE 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 | 124,327,000 | 125,242,000 | 125,057,000 | 128,433,000 |
| Total loans | 53,647,000 | 56,375,000 | 58,058,000 | 60,987,000 |
| Allowance for loan losses | 921,000 | 931,000 | 940,000 | 940,000 |
| Securities available for sale | 57,230,000 | 53,619,000 | 51,923,000 | 50,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,839,000 | 107,250,000 | 107,873,000 | 111,441,000 |
| Interest-bearing deposits | 89,957,000 | 91,337,000 | 91,828,000 | 94,922,000 |
| Noninterest-bearing deposits | 15,882,000 | 15,913,000 | 16,045,000 | 16,519,000 |
| Equity capital | 14,895,000 | 14,586,000 | 15,079,000 | 14,652,000 |
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 | 1,491,000 | 3,038,000 | 4,783,000 | 6,543,000 |
| Interest expense | 560,000 | 1,193,000 | 1,893,000 | 2,665,000 |
| Net interest income | 931,000 | 1,845,000 | 2,890,000 | 3,878,000 |
| Noninterest income | 172,000 | 366,000 | 573,000 | 781,000 |
| Noninterest expense | 979,000 | 1,964,000 | 2,955,000 | 4,047,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 27,000 |
| Pretax income | 80,000 | 225,000 | 477,000 | 571,000 |
| Income tax | 13,000 | 28,000 | 69,000 | 88,000 |
| Net income | 67,000 | 197,000 | 408,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,271,000 | 15,321,000 | 15,451,000 | 14,836,000 |
| Total capital | 16,072,000 | 16,153,000 | 16,276,000 | 15,682,000 |
| Risk-weighted assets | 63,667,000 | 66,467,000 | 65,918,000 | 67,605,000 |