Call reports 2006
FIRST NATIONAL BANK, CORTEZ — 2006
What FIRST NATIONAL BANK, CORTEZ 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 | 70,553,000 | 71,974,000 | 73,045,000 | 72,793,000 |
| Total loans | 19,857,000 | 20,838,000 | 23,017,000 | 23,609,000 |
| Allowance for loan losses | 315,000 | 306,000 | 308,000 | 304,000 |
| Securities available for sale | 46,275,000 | 47,398,000 | 46,696,000 | 44,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,059,000 | 58,475,000 | 58,283,000 | 59,176,000 |
| Interest-bearing deposits | 44,251,000 | 43,837,000 | 42,768,000 | 44,803,000 |
| Noninterest-bearing deposits | 14,808,000 | 14,638,000 | 15,515,000 | 14,373,000 |
| Equity capital | 6,573,000 | 6,406,000 | 7,029,000 | 6,771,000 |
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 | 882,000 | 1,804,000 | 2,835,000 | 3,847,000 |
| Interest expense | 268,000 | 572,000 | 926,000 | 1,287,000 |
| Net interest income | 614,000 | 1,232,000 | 1,909,000 | 2,560,000 |
| Noninterest income | 123,000 | 250,000 | 383,000 | 496,000 |
| Noninterest expense | 617,000 | 1,195,000 | 1,778,000 | 2,377,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 263,000 | 501,000 | 666,000 |
| Income tax | 0 | 0 | -40,000 | -40,000 |
| Net income | 120,000 | 263,000 | 541,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,772,000 | 6,841,000 | 7,163,000 | 6,811,000 |
| Total capital | 7,087,000 | 7,147,000 | 7,471,000 | 7,115,000 |
| Risk-weighted assets | 32,089,000 | 32,702,000 | 33,856,000 | 34,257,000 |