Call reports 2006
OTTOVILLE BANK COMPANY, THE — 2006
What OTTOVILLE BANK COMPANY, 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 | 53,886,000 | 52,449,000 | 53,588,000 | 52,478,000 |
| Total loans | 24,663,000 | 24,416,000 | 24,635,000 | 24,342,000 |
| Allowance for loan losses | 347,000 | 352,000 | 364,000 | 373,000 |
| Securities available for sale | 24,059,000 | 23,177,000 | 23,455,000 | 23,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,178,000 | 32,665,000 | 33,123,000 | 34,529,000 |
| Interest-bearing deposits | 30,371,000 | 28,425,000 | 28,380,000 | 28,336,000 |
| Noninterest-bearing deposits | 2,807,000 | 4,240,000 | 4,743,000 | 6,193,000 |
| Equity capital | 11,887,000 | 11,484,000 | 12,135,000 | 12,087,000 |
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 | 707,000 | 1,415,000 | 2,140,000 | 2,864,000 |
| Interest expense | 212,000 | 462,000 | 734,000 | 1,005,000 |
| Net interest income | 495,000 | 953,000 | 1,406,000 | 1,859,000 |
| Noninterest income | 46,000 | 79,000 | 136,000 | 197,000 |
| Noninterest expense | 298,000 | 577,000 | 852,000 | 1,124,000 |
| Provision for loan losses | 13,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 230,000 | 438,000 | 604,000 | 841,000 |
| Income tax | 23,000 | 51,000 | 66,000 | 45,000 |
| Net income | 207,000 | 387,000 | 538,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,022,000 | 11,970,000 | 12,121,000 | 12,133,000 |
| Total capital | 12,369,000 | 12,322,000 | 12,485,000 | 12,506,000 |
| Risk-weighted assets | 32,277,000 | 31,884,000 | 31,964,000 | 31,669,000 |