Call reports 2006
PHELPS COUNTY BANK — 2006
What PHELPS COUNTY BANK 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 | 208,257,000 | 201,877,000 | 204,493,000 | 209,543,000 |
| Total loans | 154,782,000 | 155,827,000 | 156,376,000 | 157,942,000 |
| Allowance for loan losses | 1,786,000 | 1,791,000 | 1,693,000 | 1,758,000 |
| Securities available for sale | 37,041,000 | 36,428,000 | 38,281,000 | 38,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,074,000 | 183,185,000 | 182,867,000 | 191,626,000 |
| Interest-bearing deposits | 156,567,000 | 150,341,000 | 152,551,000 | 159,382,000 |
| Noninterest-bearing deposits | 33,507,000 | 32,844,000 | 30,316,000 | 32,244,000 |
| Equity capital | 15,000,000 | 14,816,000 | 15,721,000 | 15,347,000 |
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 | 2,935,000 | 5,996,000 | 9,139,000 | 12,357,000 |
| Interest expense | 1,039,000 | 2,111,000 | 3,244,000 | 4,446,000 |
| Net interest income | 1,896,000 | 3,885,000 | 5,895,000 | 7,911,000 |
| Noninterest income | 520,000 | 1,136,000 | 1,721,000 | 2,337,000 |
| Noninterest expense | 1,680,000 | 3,395,000 | 5,039,000 | 6,688,000 |
| Provision for loan losses | 162,000 | 224,000 | 253,000 | 349,000 |
| Pretax income | 574,000 | 1,402,000 | 2,324,000 | 3,211,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | 574,000 | 1,402,000 | 2,324,000 | 3,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,873,000 | 16,151,000 | 16,523,000 | 15,907,000 |
| Total capital | 17,491,000 | 17,635,000 | 18,105,000 | 17,468,000 |
| Risk-weighted assets | 129,308,000 | 124,107,000 | 126,462,000 | 124,706,000 |