Call reports 2006
BANK OF NICHOLS HILLS — 2006
What BANK OF NICHOLS HILLS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 128,682,000 | 141,689,000 | 136,244,000 |
| Total loans | 89,894,000 | 85,242,000 | 80,947,000 |
| Allowance for loan losses | 979,000 | 1,357,000 | 1,361,000 |
| Securities available for sale | 7,720,000 | 9,973,000 | 12,063,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 116,778,000 | 117,706,000 | 111,717,000 |
| Interest-bearing deposits | 90,873,000 | 91,900,000 | 86,104,000 |
| Noninterest-bearing deposits | 25,905,000 | 25,806,000 | 25,613,000 |
| Equity capital | 10,512,000 | 22,508,000 | 22,934,000 |
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 |
|---|---|---|---|
| Interest income | 2,019,000 | 1,829,000 | 4,081,000 |
| Interest expense | 678,000 | 687,000 | 1,539,000 |
| Net interest income | 1,341,000 | 1,142,000 | 2,542,000 |
| Noninterest income | 145,000 | 126,000 | 271,000 |
| Noninterest expense | 894,000 | 735,000 | 1,657,000 |
| Provision for loan losses | 20,000 | 10,000 | 25,000 |
| Pretax income | 572,000 | 523,000 | 1,131,000 |
| Income tax | 212,000 | 202,000 | 425,000 |
| Net income | 360,000 | 321,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 10,469,000 | 10,455,000 | 10,880,000 |
| Total capital | 11,448,000 | 11,663,000 | 12,043,000 |
| Risk-weighted assets | 100,375,000 | 96,481,000 | 92,874,000 |