Call reports 2006
NAPOLEON STATE BANK, THE — 2006
What NAPOLEON STATE BANK, 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 | 99,555,000 | 98,996,000 | 101,062,000 | 105,376,000 |
| Total loans | 82,264,000 | 83,242,000 | 84,518,000 | 85,745,000 |
| Allowance for loan losses | 910,000 | 921,000 | 920,000 | 932,000 |
| Securities available for sale | 4,828,000 | 4,569,000 | 4,357,000 | 4,000,000 |
| Securities held to maturity | 2,498,000 | 2,396,000 | 2,328,000 | 2,783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,902,000 | 81,265,000 | 82,822,000 | 87,136,000 |
| Interest-bearing deposits | 72,032,000 | 71,576,000 | 73,098,000 | 76,510,000 |
| Noninterest-bearing deposits | 9,870,000 | 9,689,000 | 9,724,000 | 10,626,000 |
| Equity capital | 11,102,000 | 11,284,000 | 11,527,000 | 11,626,000 |
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 | 1,425,000 | 2,885,000 | 4,420,000 | 6,026,000 |
| Interest expense | 574,000 | 1,200,000 | 1,880,000 | 2,609,000 |
| Net interest income | 851,000 | 1,685,000 | 2,540,000 | 3,417,000 |
| Noninterest income | 150,000 | 309,000 | 476,000 | 610,000 |
| Noninterest expense | 644,000 | 1,262,000 | 1,892,000 | 2,549,000 |
| Provision for loan losses | 10,000 | 20,000 | 60,000 | 100,000 |
| Pretax income | 347,000 | 712,000 | 1,065,000 | 1,379,000 |
| Income tax | 129,000 | 266,000 | 399,000 | 516,000 |
| Net income | 218,000 | 446,000 | 666,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,146,000 | 11,334,000 | 11,555,000 | 11,639,000 |
| Total capital | 12,056,000 | 12,255,000 | 12,475,000 | 12,571,000 |
| Risk-weighted assets | 73,397,000 | 73,896,000 | 75,605,000 | 77,684,000 |