Call reports 2006
NEWTON COUNTY BANK — 2006
What NEWTON COUNTY 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 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 146,073,000 | 144,722,000 | 144,807,000 | 143,339,000 |
| Total loans | 87,568,000 | 84,227,000 | 84,716,000 | 85,059,000 |
| Allowance for loan losses | 1,159,000 | 882,000 | 916,000 | 913,000 |
| Securities available for sale | 35,147,000 | 37,467,000 | 38,082,000 | 37,942,000 |
| Securities held to maturity | 9,320,000 | 7,644,000 | 7,070,000 | 6,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,623,000 | 124,730,000 | 124,018,000 | 122,043,000 |
| Interest-bearing deposits | 106,636,000 | 106,313,000 | 106,750,000 | 105,353,000 |
| Noninterest-bearing deposits | 18,987,000 | 18,417,000 | 17,268,000 | 16,690,000 |
| Equity capital | 18,040,000 | 17,934,000 | 18,605,000 | 18,881,000 |
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 | 2,208,000 | 4,490,000 | 6,857,000 | 9,232,000 |
| Interest expense | 604,000 | 1,299,000 | 2,078,000 | 2,919,000 |
| Net interest income | 1,604,000 | 3,191,000 | 4,779,000 | 6,313,000 |
| Noninterest income | 345,000 | 668,000 | 1,011,000 | 1,379,000 |
| Noninterest expense | 1,199,000 | 2,435,000 | 3,678,000 | 5,066,000 |
| Provision for loan losses | 70,000 | 100,000 | 130,000 | 160,000 |
| Pretax income | 680,000 | 1,324,000 | 1,982,000 | 2,466,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 680,000 | 1,324,000 | 1,982,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,093,000 | 17,335,000 | 17,593,000 | 17,577,000 |
| Total capital | 18,678,000 | 18,721,000 | 19,057,000 | 19,016,000 |
| Risk-weighted assets | 109,887,000 | 107,352,000 | 107,479,000 | 107,133,000 |