Call reports 2006
BANK OF EDMONSON COUNTY — 2006
What BANK OF EDMONSON COUNTY 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 | 168,153,000 | 170,700,000 | 174,199,000 | 176,169,000 |
| Total loans | 120,066,000 | 127,384,000 | 131,189,000 | 131,776,000 |
| Allowance for loan losses | 1,315,000 | 1,286,000 | 1,326,000 | 1,378,000 |
| Securities available for sale | 22,035,000 | 22,636,000 | 22,625,000 | 21,899,000 |
| Securities held to maturity | 14,213,000 | 13,305,000 | 12,609,000 | 12,424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,863,000 | 132,154,000 | 133,519,000 | 135,691,000 |
| Interest-bearing deposits | 116,920,000 | 120,927,000 | 121,277,000 | 123,615,000 |
| Noninterest-bearing deposits | 11,942,000 | 11,227,000 | 12,242,000 | 12,075,000 |
| Equity capital | 18,260,000 | 18,057,000 | 18,986,000 | 18,839,000 |
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 | 2,822,000 | 5,673,000 | 8,754,000 | 11,900,000 |
| Interest expense | 1,286,000 | 2,678,000 | 4,168,000 | 5,747,000 |
| Net interest income | 1,536,000 | 2,995,000 | 4,586,000 | 6,153,000 |
| Noninterest income | 198,000 | 455,000 | 739,000 | 990,000 |
| Noninterest expense | 992,000 | 2,100,000 | 3,092,000 | 4,208,000 |
| Provision for loan losses | 125,000 | 175,000 | 250,000 | 325,000 |
| Pretax income | 617,000 | 1,175,000 | 1,983,000 | 2,610,000 |
| Income tax | 137,000 | 260,000 | 431,000 | 577,000 |
| Net income | 480,000 | 915,000 | 1,552,000 | 2,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,280,000 | 18,235,000 | 18,969,000 | 18,849,000 |
| Total capital | 19,595,000 | 19,521,000 | 20,295,000 | 20,227,000 |
| Risk-weighted assets | 115,010,000 | 123,919,000 | 122,127,000 | 127,600,000 |