Call reports 2006
FIRST NATIONAL BANK OF LACON — 2006
What FIRST NATIONAL BANK OF LACON 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 | 50,343,000 | 59,313,000 | 55,290,000 | 54,553,000 |
| Total loans | 30,475,000 | 31,789,000 | 32,519,000 | 33,590,000 |
| Allowance for loan losses | 196,000 | 206,000 | 216,000 | 209,000 |
| Securities available for sale | 15,323,000 | 18,226,000 | 17,454,000 | 17,520,000 |
| Securities held to maturity | 321,000 | 319,000 | 41,000 | 39,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,037,000 | 49,049,000 | 44,729,000 | 43,602,000 |
| Interest-bearing deposits | 35,490,000 | 42,202,000 | 37,211,000 | 35,956,000 |
| Noninterest-bearing deposits | 7,547,000 | 6,847,000 | 7,518,000 | 7,646,000 |
| Equity capital | 4,432,000 | 4,339,000 | 4,572,000 | 4,620,000 |
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 | 746,000 | 1,498,000 | 2,314,000 | 3,132,000 |
| Interest expense | 221,000 | 466,000 | 774,000 | 1,100,000 |
| Net interest income | 525,000 | 1,032,000 | 1,540,000 | 2,032,000 |
| Noninterest income | 22,000 | 44,000 | 72,000 | 105,000 |
| Noninterest expense | 339,000 | 675,000 | 1,003,000 | 1,356,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 208,000 | 401,000 | 596,000 | 768,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 208,000 | 401,000 | 596,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,859,000 | 4,862,000 | 4,867,000 | 4,849,000 |
| Total capital | 5,055,000 | 5,068,000 | 5,083,000 | 5,058,000 |
| Risk-weighted assets | 33,379,000 | 36,474,000 | 35,792,000 | 36,246,000 |