Call reports 2006
NORTHERN SKY BANK — 2006
What NORTHERN SKY 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 | 37,184,000 | 36,110,000 | 37,047,000 | 40,784,000 |
| Total loans | 20,652,000 | 22,897,000 | 25,001,000 | 22,245,000 |
| Allowance for loan losses | 207,000 | 208,000 | 209,000 | 210,000 |
| Securities available for sale | 10,481,000 | 9,660,000 | 9,629,000 | 10,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,871,000 | 32,721,000 | 33,426,000 | 36,983,000 |
| Interest-bearing deposits | 28,125,000 | 28,421,000 | 29,232,000 | 30,350,000 |
| Noninterest-bearing deposits | 5,746,000 | 4,300,000 | 4,194,000 | 6,633,000 |
| Equity capital | 3,129,000 | 3,154,000 | 3,346,000 | 3,513,000 |
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 | 478,000 | 1,017,000 | 1,587,000 | 2,186,000 |
| Interest expense | 161,000 | 346,000 | 561,000 | 793,000 |
| Net interest income | 317,000 | 671,000 | 1,026,000 | 1,393,000 |
| Noninterest income | 35,000 | 72,000 | 109,000 | 143,000 |
| Noninterest expense | 228,000 | 441,000 | 674,000 | 933,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 302,000 | 461,000 | 603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 124,000 | 302,000 | 461,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,282,000 | 3,340,000 | 3,439,000 | 3,581,000 |
| Total capital | 3,489,000 | 3,548,000 | 3,648,000 | 3,791,000 |
| Risk-weighted assets | 23,314,000 | 25,009,000 | 26,617,000 | 25,544,000 |