Call reports 2006
BANK 1ST — 2006
What BANK 1ST 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 | 70,839,000 | 70,499,000 | 73,182,000 | 76,531,000 |
| Total loans | 55,131,000 | 59,636,000 | 64,804,000 | 64,132,000 |
| Allowance for loan losses | 891,000 | 831,000 | 871,000 | 871,000 |
| Securities available for sale | 486,000 | 486,000 | 491,000 | 493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,996,000 | 62,225,000 | 64,500,000 | 68,302,000 |
| Interest-bearing deposits | 48,691,000 | 50,179,000 | 52,227,000 | 56,887,000 |
| Noninterest-bearing deposits | 14,305,000 | 12,046,000 | 12,273,000 | 11,415,000 |
| Equity capital | 7,514,000 | 7,931,000 | 8,305,000 | 7,634,000 |
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 | 1,258,000 | 2,666,000 | 4,194,000 | 5,732,000 |
| Interest expense | 415,000 | 881,000 | 1,428,000 | 2,033,000 |
| Net interest income | 843,000 | 1,785,000 | 2,766,000 | 3,699,000 |
| Noninterest income | 51,000 | 82,000 | 111,000 | 161,000 |
| Noninterest expense | 652,000 | 1,236,000 | 1,847,000 | 2,589,000 |
| Provision for loan losses | 124,000 | 95,000 | 124,000 | 124,000 |
| Pretax income | 118,000 | 536,000 | 906,000 | 1,147,000 |
| Income tax | 366,000 | 366,000 | 366,000 | 517,000 |
| Net income | -248,000 | 170,000 | 540,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,520,000 | 7,938,000 | 8,308,000 | 7,640,000 |
| Total capital | 8,286,000 | 8,741,000 | 9,156,000 | 8,500,000 |
| Risk-weighted assets | 61,026,000 | 64,082,000 | 67,657,000 | 68,697,000 |