Call reports 2006
FIRST BANK OF BANCROFT — 2006
What FIRST BANK OF BANCROFT 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 | 14,925,000 | 15,214,000 | 15,831,000 | 16,253,000 |
| Total loans | 12,113,000 | 12,427,000 | 12,157,000 | 12,296,000 |
| Allowance for loan losses | 187,000 | 187,000 | 187,000 | 187,000 |
| Securities available for sale | 1,387,000 | 1,374,000 | 1,320,000 | 1,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,673,000 | 12,095,000 | 12,613,000 | 13,196,000 |
| Interest-bearing deposits | 9,855,000 | 10,516,000 | 10,951,000 | 11,529,000 |
| Noninterest-bearing deposits | 1,818,000 | 1,579,000 | 1,662,000 | 1,667,000 |
| Equity capital | 2,841,000 | 2,878,000 | 2,936,000 | 2,852,000 |
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 | 272,000 | 537,000 | 810,000 | 1,103,000 |
| Interest expense | 75,000 | 157,000 | 251,000 | 357,000 |
| Net interest income | 197,000 | 380,000 | 559,000 | 746,000 |
| Noninterest income | 12,000 | 28,000 | 49,000 | 60,000 |
| Noninterest expense | 140,000 | 270,000 | 404,000 | 591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 138,000 | 204,000 | 215,000 |
| Income tax | 21,000 | 45,000 | 65,000 | 63,000 |
| Net income | 48,000 | 93,000 | 139,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,856,000 | 2,901,000 | 2,947,000 | 2,860,000 |
| Total capital | 3,006,000 | 3,051,000 | 3,098,000 | 3,010,000 |
| Risk-weighted assets | 11,991,000 | 11,964,000 | 12,022,000 | 11,991,000 |