Call reports 2006
BANK OF FINCASTLE, THE — 2006
What BANK OF FINCASTLE, 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 | 153,891,000 | 157,094,000 | 160,095,000 | 154,467,000 |
| Total loans | 127,804,000 | 126,435,000 | 130,894,000 | 129,667,000 |
| Allowance for loan losses | 1,636,000 | 1,650,000 | 1,672,000 | 1,301,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,203,000 | 8,286,000 | 4,756,000 | 5,486,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,258,000 | 135,592,000 | 137,880,000 | 132,270,000 |
| Interest-bearing deposits | 92,210,000 | 95,378,000 | 96,768,000 | 94,947,000 |
| Noninterest-bearing deposits | 40,048,000 | 40,214,000 | 41,112,000 | 37,323,000 |
| Equity capital | 20,720,000 | 20,948,000 | 21,560,000 | 21,432,000 |
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 | 2,481,000 | 5,041,000 | 7,704,000 | 10,464,000 |
| Interest expense | 473,000 | 1,006,000 | 1,637,000 | 2,353,000 |
| Net interest income | 2,008,000 | 4,035,000 | 6,067,000 | 8,111,000 |
| Noninterest income | 240,000 | 483,000 | 771,000 | 1,133,000 |
| Noninterest expense | 1,258,000 | 2,612,000 | 4,046,000 | 5,610,000 |
| Provision for loan losses | 150,000 | 204,000 | 243,000 | 673,000 |
| Pretax income | 840,000 | 1,702,000 | 2,549,000 | 2,961,000 |
| Income tax | 255,000 | 563,000 | 845,000 | 974,000 |
| Net income | 585,000 | 1,139,000 | 1,704,000 | 1,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,720,000 | 20,948,000 | 21,560,000 | 21,432,000 |
| Total capital | 22,356,000 | 22,598,000 | 23,232,000 | 22,733,000 |
| Risk-weighted assets | 135,047,000 | 135,022,000 | 138,705,000 | 136,206,000 |