Call reports 2006
FIRST NATIONAL BANK OF THE NORTH — 2006
What FIRST NATIONAL BANK OF THE NORTH 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 | 62,005,000 | 64,260,000 | 65,655,000 | 63,480,000 |
| Total loans | 45,884,000 | 48,534,000 | 46,031,000 | 45,083,000 |
| Allowance for loan losses | 315,000 | 326,000 | 313,000 | 301,000 |
| Securities available for sale | 6,176,000 | 5,436,000 | 8,966,000 | 7,979,000 |
| Securities held to maturity | 5,997,000 | 5,997,000 | 5,997,000 | 5,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,990,000 | 58,068,000 | 60,353,000 | 58,393,000 |
| Interest-bearing deposits | 50,091,000 | 51,932,000 | 52,753,000 | 52,706,000 |
| Noninterest-bearing deposits | 5,899,000 | 6,136,000 | 7,600,000 | 5,687,000 |
| Equity capital | 5,095,000 | 5,101,000 | 5,159,000 | 4,940,000 |
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 | 1,067,000 | 2,177,000 | 3,361,000 | 4,521,000 |
| Interest expense | 347,000 | 762,000 | 1,215,000 | 1,665,000 |
| Net interest income | 720,000 | 1,415,000 | 2,146,000 | 2,856,000 |
| Noninterest income | 32,000 | 75,000 | 118,000 | 167,000 |
| Noninterest expense | 503,000 | 1,007,000 | 1,561,000 | 2,145,000 |
| Provision for loan losses | 0 | 16,000 | 16,000 | -2,000 |
| Pretax income | 248,000 | 476,000 | 698,000 | 892,000 |
| Income tax | 6,000 | 12,000 | 19,000 | 25,000 |
| Net income | 242,000 | 464,000 | 679,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,152,000 | 5,165,000 | 5,190,000 | 4,960,000 |
| Total capital | 5,467,000 | 5,491,000 | 5,503,000 | 5,261,000 |
| Risk-weighted assets | 45,187,000 | 47,228,000 | 46,680,000 | 45,576,000 |