Call reports 2006
FIRST BANK OF WHITE — 2006
What FIRST BANK OF WHITE 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 | 48,305,000 | 50,667,000 | 51,550,000 | 50,861,000 |
| Total loans | 39,147,000 | 41,582,000 | 42,512,000 | 42,626,000 |
| Allowance for loan losses | 318,000 | 330,000 | 333,000 | 355,000 |
| Securities available for sale | 7,002,000 | 6,807,000 | 6,754,000 | 5,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,767,000 | 40,421,000 | 44,662,000 | 44,112,000 |
| Interest-bearing deposits | 37,858,000 | 38,966,000 | 42,840,000 | 41,941,000 |
| Noninterest-bearing deposits | 1,910,000 | 1,455,000 | 1,823,000 | 2,171,000 |
| Equity capital | 4,636,000 | 4,818,000 | 4,580,000 | 4,737,000 |
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 | 697,000 | 1,441,000 | 2,358,000 | 3,226,000 |
| Interest expense | 405,000 | 840,000 | 1,322,000 | 1,818,000 |
| Net interest income | 292,000 | 601,000 | 1,036,000 | 1,408,000 |
| Noninterest income | 237,000 | 502,000 | 550,000 | 632,000 |
| Noninterest expense | 280,000 | 521,000 | 721,000 | 982,000 |
| Provision for loan losses | 22,000 | 34,000 | 35,000 | 37,000 |
| Pretax income | 227,000 | 548,000 | 830,000 | 1,021,000 |
| Income tax | 70,000 | 171,000 | 258,000 | 313,000 |
| Net income | 157,000 | 377,000 | 572,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,713,000 | 4,933,000 | 4,629,000 | 4,765,000 |
| Total capital | 5,031,000 | 5,263,000 | 4,962,000 | 5,120,000 |
| Risk-weighted assets | 39,971,000 | 42,300,000 | 42,860,000 | 42,698,000 |