Call reports 2006
FIRST NATIONAL BANK OF SHINER, THE — 2006
What FIRST NATIONAL BANK OF SHINER, 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 | 103,634,000 | 101,246,000 | 101,953,000 | 101,178,000 |
| Total loans | 37,058,000 | 36,039,000 | 38,153,000 | 38,834,000 |
| Allowance for loan losses | 594,000 | 610,000 | 643,000 | 567,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 58,674,000 | 58,477,000 | 58,548,000 | 55,324,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,669,000 | 86,036,000 | 86,322,000 | 85,242,000 |
| Interest-bearing deposits | 73,216,000 | 73,389,000 | 72,359,000 | 70,538,000 |
| Noninterest-bearing deposits | 15,453,000 | 12,647,000 | 13,963,000 | 14,704,000 |
| Equity capital | 14,465,000 | 14,752,000 | 15,126,000 | 15,378,000 |
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 | 1,196,000 | 2,482,000 | 3,807,000 | 5,184,000 |
| Interest expense | 467,000 | 984,000 | 1,533,000 | 2,106,000 |
| Net interest income | 729,000 | 1,498,000 | 2,274,000 | 3,078,000 |
| Noninterest income | 46,000 | 87,000 | 138,000 | 195,000 |
| Noninterest expense | 354,000 | 747,000 | 1,026,000 | 1,490,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 391,000 | 778,000 | 1,296,000 | 1,663,000 |
| Income tax | 64,000 | 164,000 | 308,000 | 423,000 |
| Net income | 327,000 | 614,000 | 988,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,799,000 | 14,086,000 | 14,460,000 | 14,745,000 |
| Total capital | 14,393,000 | 14,689,000 | 15,082,000 | 15,312,000 |
| Risk-weighted assets | 49,151,000 | 48,233,000 | 49,736,000 | 49,827,000 |