Call reports 2006
FIRST NEIGHBORHOOD BANK, INC. — 2006
What FIRST NEIGHBORHOOD BANK, INC. 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 | 124,943,000 | 122,369,000 | 121,696,000 | 120,344,000 |
| Total loans | 82,821,000 | 78,028,000 | 79,583,000 | 78,640,000 |
| Allowance for loan losses | 1,142,000 | 961,000 | 904,000 | 771,000 |
| Securities available for sale | 15,633,000 | 17,230,000 | 17,136,000 | 16,116,000 |
| Securities held to maturity | 10,707,000 | 10,603,000 | 10,600,000 | 10,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,963,000 | 109,528,000 | 108,581,000 | 107,382,000 |
| Interest-bearing deposits | 90,156,000 | 87,983,000 | 88,900,000 | 86,373,000 |
| Noninterest-bearing deposits | 21,807,000 | 21,545,000 | 19,681,000 | 21,009,000 |
| Equity capital | 11,557,000 | 11,403,000 | 11,636,000 | 11,537,000 |
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 | 1,728,000 | 3,444,000 | 5,184,000 | 6,958,000 |
| Interest expense | 586,000 | 1,209,000 | 1,877,000 | 2,591,000 |
| Net interest income | 1,142,000 | 2,235,000 | 3,307,000 | 4,367,000 |
| Noninterest income | 119,000 | 176,000 | 325,000 | 504,000 |
| Noninterest expense | 1,031,000 | 2,010,000 | 3,024,000 | 4,108,000 |
| Provision for loan losses | 30,000 | 31,000 | 37,000 | 104,000 |
| Pretax income | 206,000 | 376,000 | 577,000 | 660,000 |
| Income tax | 64,000 | 118,000 | 159,000 | 147,000 |
| Net income | 142,000 | 258,000 | 418,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,706,000 | 11,595,000 | 11,754,000 | 11,605,000 |
| Total capital | 12,719,000 | 12,556,000 | 12,658,000 | 12,376,000 |
| Risk-weighted assets | 80,894,000 | 77,265,000 | 78,952,000 | 78,219,000 |