Call reports 2006
WHITE HALL BANK — 2006
What WHITE HALL 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 | 45,372,000 | 43,255,000 | 42,642,000 | 43,622,000 |
| Total loans | 31,614,000 | 31,779,000 | 30,282,000 | 30,705,000 |
| Allowance for loan losses | 466,000 | 516,000 | 414,000 | 434,000 |
| Securities available for sale | 7,345,000 | 8,030,000 | 8,131,000 | 8,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,935,000 | 35,713,000 | 35,986,000 | 36,908,000 |
| Interest-bearing deposits | 34,501,000 | 32,225,000 | 32,003,000 | 33,192,000 |
| Noninterest-bearing deposits | 3,434,000 | 3,488,000 | 3,982,000 | 3,717,000 |
| Equity capital | 3,145,000 | 3,173,000 | 3,450,000 | 3,486,000 |
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 | 670,000 | 1,410,000 | 2,120,000 | 2,844,000 |
| Interest expense | 251,000 | 512,000 | 801,000 | 1,108,000 |
| Net interest income | 419,000 | 898,000 | 1,319,000 | 1,736,000 |
| Noninterest income | 31,000 | 57,000 | 93,000 | 125,000 |
| Noninterest expense | 239,000 | 470,000 | 697,000 | 979,000 |
| Provision for loan losses | 45,000 | 93,000 | 287,000 | 332,000 |
| Pretax income | 166,000 | 392,000 | 428,000 | 550,000 |
| Income tax | 18,000 | 0 | 17,000 | 18,000 |
| Net income | 148,000 | 392,000 | 411,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,289,000 | 3,353,000 | 3,509,000 | 3,530,000 |
| Total capital | 3,721,000 | 3,770,000 | 3,923,000 | 3,951,000 |
| Risk-weighted assets | 34,567,000 | 33,256,000 | 33,194,000 | 33,679,000 |