Call reports 2006
FIRST NATIONAL BANK OF THE MID-CITES — 2006
What FIRST NATIONAL BANK OF THE MID-CITES 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 | 46,889,000 | 44,766,000 | 43,523,000 | 40,426,000 |
| Total loans | 36,815,000 | 31,633,000 | 26,543,000 | 23,458,000 |
| Allowance for loan losses | 574,000 | 544,000 | 493,000 | 488,000 |
| Securities available for sale | 1,987,000 | 1,981,000 | 1,992,000 | 1,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,185,000 | 39,936,000 | 39,173,000 | 36,503,000 |
| Interest-bearing deposits | 27,926,000 | 25,933,000 | 25,270,000 | 23,067,000 |
| Noninterest-bearing deposits | 14,259,000 | 14,003,000 | 13,903,000 | 13,436,000 |
| Equity capital | 3,515,000 | 3,549,000 | 3,550,000 | 3,302,000 |
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 | 907,000 | 1,722,000 | 2,523,000 | 3,157,000 |
| Interest expense | 228,000 | 449,000 | 677,000 | 903,000 |
| Net interest income | 679,000 | 1,273,000 | 1,846,000 | 2,254,000 |
| Noninterest income | 288,000 | 501,000 | 616,000 | 794,000 |
| Noninterest expense | 730,000 | 1,487,000 | 2,141,000 | 2,950,000 |
| Provision for loan losses | 449,000 | 451,000 | 486,000 | 639,000 |
| Pretax income | -212,000 | -164,000 | -165,000 | -541,000 |
| Income tax | -72,000 | -54,000 | -53,000 | -179,000 |
| Net income | -140,000 | -110,000 | -112,000 | -362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,523,000 | 3,553,000 | 3,551,000 | 3,302,000 |
| Total capital | 4,035,000 | 4,009,000 | 3,953,000 | 3,670,000 |
| Risk-weighted assets | 40,898,000 | 36,393,000 | 31,782,000 | 29,329,000 |