Call reports 2006
FIRST NATIONAL BANK OF HICO, THE — 2006
What FIRST NATIONAL BANK OF HICO, 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 | 29,938,000 | 28,901,000 | 30,112,000 | 30,344,000 |
| Total loans | 9,983,000 | 10,314,000 | 10,758,000 | 11,117,000 |
| Allowance for loan losses | 173,000 | 173,000 | 173,000 | 172,000 |
| Securities available for sale | 8,197,000 | 7,840,000 | 6,831,000 | 5,821,000 |
| Securities held to maturity | 5,520,000 | 7,209,000 | 8,548,000 | 9,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,526,000 | 26,430,000 | 27,489,000 | 27,616,000 |
| Interest-bearing deposits | 20,455,000 | 20,174,000 | 20,248,000 | 20,234,000 |
| Noninterest-bearing deposits | 7,071,000 | 6,256,000 | 7,242,000 | 7,382,000 |
| Equity capital | 2,389,000 | 2,444,000 | 2,591,000 | 2,704,000 |
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 | 334,000 | 700,000 | 1,082,000 | 1,480,000 |
| Interest expense | 90,000 | 191,000 | 305,000 | 426,000 |
| Net interest income | 244,000 | 509,000 | 777,000 | 1,054,000 |
| Noninterest income | 56,000 | 132,000 | 206,000 | 277,000 |
| Noninterest expense | 251,000 | 511,000 | 778,000 | 1,055,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 130,000 | 205,000 | 276,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 49,000 | 130,000 | 204,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,587,000 | 2,668,000 | 2,742,000 | 2,813,000 |
| Total capital | 2,760,000 | 2,841,000 | 2,915,000 | 2,985,000 |
| Risk-weighted assets | 14,111,000 | 14,314,000 | 14,950,000 | 15,342,000 |