Call reports 2006
BANK OF MCCRORY — 2006
What BANK OF MCCRORY 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 | 66,295,000 | 65,440,000 | 65,019,000 | 66,112,000 |
| Total loans | 37,144,000 | 40,813,000 | 46,729,000 | 41,054,000 |
| Allowance for loan losses | 774,000 | 589,000 | 667,000 | 714,000 |
| Securities available for sale | 22,653,000 | 20,723,000 | 14,917,000 | 15,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,453,000 | 57,633,000 | 54,879,000 | 58,494,000 |
| Interest-bearing deposits | 48,002,000 | 46,887,000 | 44,349,000 | 43,803,000 |
| Noninterest-bearing deposits | 10,451,000 | 10,746,000 | 10,530,000 | 14,691,000 |
| Equity capital | 7,697,000 | 7,639,000 | 8,046,000 | 7,450,000 |
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 | 947,000 | 1,833,000 | 2,877,000 | 3,777,000 |
| Interest expense | 259,000 | 538,000 | 838,000 | 1,150,000 |
| Net interest income | 688,000 | 1,295,000 | 2,039,000 | 2,627,000 |
| Noninterest income | 96,000 | 177,000 | 266,000 | 354,000 |
| Noninterest expense | 352,000 | 680,000 | 1,032,000 | 1,593,000 |
| Provision for loan losses | 40,000 | 380,000 | 495,000 | 555,000 |
| Pretax income | 393,000 | 413,000 | 733,000 | 788,000 |
| Income tax | 104,000 | 134,000 | 175,000 | 233,000 |
| Net income | 289,000 | 279,000 | 558,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,878,000 | 7,870,000 | 8,149,000 | 7,545,000 |
| Total capital | 8,417,000 | 8,446,000 | 8,808,000 | 8,150,000 |
| Risk-weighted assets | 42,873,000 | 46,079,000 | 52,711,000 | 48,281,000 |