Call reports 2006
FIRST NATIONAL BANK OF ELMER — 2006
What FIRST NATIONAL BANK OF ELMER 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 | 204,808,000 | 210,383,000 | 205,329,000 | 211,162,000 |
| Total loans | 180,963,000 | 180,807,000 | 181,699,000 | 182,079,000 |
| Allowance for loan losses | 1,858,000 | 1,875,000 | 1,920,000 | 1,954,000 |
| Securities available for sale | 6,916,000 | 7,911,000 | 5,809,000 | 5,096,000 |
| Securities held to maturity | 5,384,000 | 4,532,000 | 5,724,000 | 6,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,211,000 | 190,948,000 | 186,313,000 | 191,404,000 |
| Interest-bearing deposits | 144,834,000 | 144,790,000 | 147,001,000 | 180,416,000 |
| Noninterest-bearing deposits | 40,377,000 | 46,158,000 | 39,312,000 | 10,988,000 |
| Equity capital | 17,930,000 | 18,611,000 | 17,111,000 | 17,476,000 |
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 | 3,258,000 | 6,681,000 | 10,143,000 | 13,730,000 |
| Interest expense | 936,000 | 1,960,000 | 3,049,000 | 4,223,000 |
| Net interest income | 2,322,000 | 4,721,000 | 7,094,000 | 9,507,000 |
| Noninterest income | 270,000 | 560,000 | 859,000 | 1,140,000 |
| Noninterest expense | 1,463,000 | 3,014,000 | 4,689,000 | 6,641,000 |
| Provision for loan losses | 32,000 | 63,000 | 95,000 | 128,000 |
| Pretax income | 1,097,000 | 2,204,000 | 3,169,000 | 3,878,000 |
| Income tax | 393,000 | 823,000 | 1,202,000 | 1,547,000 |
| Net income | 704,000 | 1,381,000 | 1,967,000 | 2,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,964,000 | 18,640,000 | 17,123,000 | 17,483,000 |
| Total capital | 19,822,000 | 20,515,000 | 19,043,000 | 19,437,000 |
| Risk-weighted assets | 168,296,000 | 168,488,000 | 168,913,000 | 171,714,000 |