Call reports 2006
FIRSTBANK FINANCIAL SERVICES — 2006
What FIRSTBANK FINANCIAL SERVICES 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 | 249,586,000 | 251,379,000 | 260,177,000 | 276,821,000 |
| Total loans | 169,322,000 | 187,133,000 | 197,040,000 | 210,397,000 |
| Allowance for loan losses | 1,958,000 | 2,095,000 | 2,283,000 | 2,392,000 |
| Securities available for sale | 34,125,000 | 35,242,000 | 37,773,000 | 39,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,596,000 | 202,188,000 | 209,158,000 | 224,313,000 |
| Interest-bearing deposits | 179,631,000 | 186,900,000 | 198,846,000 | 204,835,000 |
| Noninterest-bearing deposits | 19,965,000 | 15,288,000 | 10,312,000 | 19,478,000 |
| Equity capital | 25,380,000 | 25,689,000 | 26,909,000 | 27,798,000 |
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 | 4,065,000 | 8,497,000 | 13,515,000 | 18,877,000 |
| Interest expense | 1,818,000 | 3,870,000 | 6,364,000 | 9,129,000 |
| Net interest income | 2,247,000 | 4,627,000 | 7,151,000 | 9,748,000 |
| Noninterest income | 73,000 | 152,000 | 224,000 | 308,000 |
| Noninterest expense | 1,225,000 | 2,558,000 | 3,826,000 | 5,332,000 |
| Provision for loan losses | 45,000 | 180,000 | 370,000 | 480,000 |
| Pretax income | 1,050,000 | 2,041,000 | 3,179,000 | 4,244,000 |
| Income tax | 385,000 | 765,000 | 1,189,000 | 1,567,000 |
| Net income | 665,000 | 1,276,000 | 1,990,000 | 2,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,943,000 | 26,644,000 | 27,391,000 | 28,187,000 |
| Total capital | 27,901,000 | 28,739,000 | 29,674,000 | 30,579,000 |
| Risk-weighted assets | 194,826,000 | 210,468,000 | 222,476,000 | 236,071,000 |
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