Call reports 2006
FIRST NATIONAL BANK OF BYERS, THE — 2006
What FIRST NATIONAL BANK OF BYERS, THE 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 | 68,039,000 | 86,333,000 | 94,984,000 | 85,158,000 |
| Total loans | 44,136,000 | 43,953,000 | 43,602,000 | 44,645,000 |
| Allowance for loan losses | 730,000 | 687,000 | 761,000 | 694,000 |
| Securities available for sale | 14,706,000 | 13,113,000 | 28,687,000 | 20,645,000 |
| Securities held to maturity | 0 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,412,000 | 77,436,000 | 85,641,000 | 75,815,000 |
| Interest-bearing deposits | 41,406,000 | 57,664,000 | 64,217,000 | 55,534,000 |
| Noninterest-bearing deposits | 18,006,000 | 19,772,000 | 21,424,000 | 20,281,000 |
| Equity capital | 8,388,000 | 8,654,000 | 9,025,000 | 9,218,000 |
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 | 1,042,000 | 2,174,000 | 3,642,000 | 5,075,000 |
| Interest expense | 204,000 | 457,000 | 956,000 | 1,436,000 |
| Net interest income | 838,000 | 1,717,000 | 2,686,000 | 3,639,000 |
| Noninterest income | 133,000 | 298,000 | 458,000 | 615,000 |
| Noninterest expense | 651,000 | 1,263,000 | 1,917,000 | 2,601,000 |
| Provision for loan losses | 0 | 0 | 0 | 149,000 |
| Pretax income | 320,000 | 752,000 | 1,227,000 | 1,504,000 |
| Income tax | 109,000 | 254,000 | 414,000 | 508,000 |
| Net income | 211,000 | 498,000 | 813,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,454,000 | 8,741,000 | 9,055,000 | 9,229,000 |
| Total capital | 9,040,000 | 9,367,000 | 9,666,000 | 9,856,000 |
| Risk-weighted assets | 46,724,000 | 50,009,000 | 48,718,000 | 50,131,000 |