Call reports 2006
MISSISSIPPI RIVER BANK — 2006
What MISSISSIPPI RIVER BANK 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 | 147,339,000 | 158,859,000 | 164,132,000 | 154,275,000 |
| Total loans | 62,610,000 | 65,520,000 | 65,669,000 | 62,888,000 |
| Allowance for loan losses | 932,000 | 951,000 | 986,000 | 937,000 |
| Securities available for sale | 34,857,000 | 61,945,000 | 60,560,000 | 66,701,000 |
| Securities held to maturity | 4,091,000 | 5,898,000 | 10,527,000 | 11,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,838,000 | 144,043,000 | 148,299,000 | 139,284,000 |
| Interest-bearing deposits | 76,819,000 | 81,286,000 | 85,315,000 | 80,417,000 |
| Noninterest-bearing deposits | 57,019,000 | 62,757,000 | 62,984,000 | 58,867,000 |
| Equity capital | 12,702,000 | 13,342,000 | 13,556,000 | 14,178,000 |
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 | 2,178,000 | 4,539,000 | 7,115,000 | 9,682,000 |
| Interest expense | 352,000 | 758,000 | 1,219,000 | 1,678,000 |
| Net interest income | 1,826,000 | 3,781,000 | 5,896,000 | 8,004,000 |
| Noninterest income | 672,000 | 806,000 | 945,000 | 1,073,000 |
| Noninterest expense | 876,000 | 1,792,000 | 2,710,000 | 3,701,000 |
| Provision for loan losses | 50,000 | 110,000 | 140,000 | 475,000 |
| Pretax income | 1,572,000 | 2,590,000 | 3,896,000 | 4,798,000 |
| Income tax | 520,000 | 850,000 | 1,270,000 | 1,538,000 |
| Net income | 1,052,000 | 1,740,000 | 2,626,000 | 3,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,873,000 | 13,562,000 | 13,478,000 | 14,112,000 |
| Total capital | 13,775,000 | 14,513,000 | 14,464,000 | 15,017,000 |
| Risk-weighted assets | 88,010,000 | 84,030,000 | 90,814,000 | 72,386,000 |