Call reports 2006
BANK OF WALKER COUNTY — 2006
What BANK OF WALKER COUNTY 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 | 49,843,000 | 51,431,000 | 54,352,000 | 58,422,000 |
| Total loans | 34,133,000 | 35,884,000 | 38,120,000 | 42,748,000 |
| Allowance for loan losses | 341,000 | 359,000 | 385,000 | 419,000 |
| Securities available for sale | 10,929,000 | 10,035,000 | 10,131,000 | 9,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,665,000 | 40,072,000 | 42,856,000 | 46,044,000 |
| Interest-bearing deposits | 33,104,000 | 33,931,000 | 36,271,000 | 39,253,000 |
| Noninterest-bearing deposits | 5,560,000 | 6,141,000 | 6,586,000 | 6,791,000 |
| Equity capital | 8,102,000 | 8,161,000 | 8,328,000 | 8,439,000 |
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 | 729,000 | 1,530,000 | 2,400,000 | 3,350,000 |
| Interest expense | 293,000 | 588,000 | 998,000 | 1,433,000 |
| Net interest income | 436,000 | 942,000 | 1,402,000 | 1,917,000 |
| Noninterest income | 45,000 | 101,000 | 189,000 | 212,000 |
| Noninterest expense | 344,000 | 729,000 | 1,124,000 | 1,500,000 |
| Provision for loan losses | 32,000 | 56,000 | 82,000 | 148,000 |
| Pretax income | 104,000 | 255,000 | 380,000 | 464,000 |
| Income tax | 35,000 | 92,000 | 129,000 | 161,000 |
| Net income | 69,000 | 163,000 | 251,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,231,000 | 8,340,000 | 8,444,000 | 8,511,000 |
| Total capital | 8,572,000 | 8,699,000 | 8,829,000 | 8,930,000 |
| Risk-weighted assets | 36,049,000 | 30,967,000 | 40,233,000 | 44,253,000 |