Call reports 2006
FIRST NATIONAL BANK OF COLERAINE, THE — 2006
What FIRST NATIONAL BANK OF COLERAINE, 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 | 62,786,000 | 63,790,000 | 67,357,000 | 64,678,000 |
| Total loans | 32,134,000 | 32,495,000 | 34,772,000 | 35,418,000 |
| Allowance for loan losses | 161,000 | 173,000 | 191,000 | 199,000 |
| Securities available for sale | 25,757,000 | 26,907,000 | 28,086,000 | 23,817,000 |
| Securities held to maturity | 45,000 | 39,000 | 33,000 | 663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,813,000 | 56,994,000 | 58,852,000 | 58,145,000 |
| Interest-bearing deposits | 51,304,000 | 50,802,000 | 51,809,000 | 51,507,000 |
| Noninterest-bearing deposits | 6,509,000 | 6,192,000 | 7,043,000 | 6,638,000 |
| Equity capital | 4,305,000 | 4,246,000 | 4,534,000 | 4,496,000 |
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 | 797,000 | 1,586,000 | 2,456,000 | 3,342,000 |
| Interest expense | 345,000 | 702,000 | 1,098,000 | 1,562,000 |
| Net interest income | 452,000 | 884,000 | 1,358,000 | 1,780,000 |
| Noninterest income | 91,000 | 229,000 | 335,000 | 451,000 |
| Noninterest expense | 380,000 | 807,000 | 1,226,000 | 1,701,000 |
| Provision for loan losses | 17,000 | 29,000 | 46,000 | 58,000 |
| Pretax income | 146,000 | 277,000 | 421,000 | 472,000 |
| Income tax | 40,000 | 75,000 | 115,000 | 143,000 |
| Net income | 106,000 | 202,000 | 306,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,611,000 | 4,617,000 | 4,721,000 | 4,624,000 |
| Total capital | 4,772,000 | 4,790,000 | 4,912,000 | 4,823,000 |
| Risk-weighted assets | 33,329,000 | 34,130,000 | 36,622,000 | 36,363,000 |