Call reports 2006
FIRST NATIONAL BANK OF PINE CITY, THE — 2006
What FIRST NATIONAL BANK OF PINE CITY, 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 | 52,136,000 | 54,308,000 | 53,019,000 | 56,868,000 |
| Total loans | 32,537,000 | 33,090,000 | 33,505,000 | 33,350,000 |
| Allowance for loan losses | 469,000 | 477,000 | 477,000 | 470,000 |
| Securities available for sale | 13,938,000 | 13,629,000 | 12,982,000 | 11,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,180,000 | 48,212,000 | 46,911,000 | 46,227,000 |
| Interest-bearing deposits | 39,960,000 | 41,896,000 | 40,785,000 | 40,034,000 |
| Noninterest-bearing deposits | 6,220,000 | 6,316,000 | 6,126,000 | 6,193,000 |
| Equity capital | 5,516,000 | 5,672,000 | 5,645,000 | 10,205,000 |
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 | 796,000 | 1,626,000 | 2,472,000 | 40,000 |
| Interest expense | 266,000 | 555,000 | 867,000 | 17,000 |
| Net interest income | 530,000 | 1,071,000 | 1,605,000 | 23,000 |
| Noninterest income | 61,000 | 116,000 | 166,000 | 5,000 |
| Noninterest expense | 328,000 | 681,000 | 1,021,000 | 23,000 |
| Provision for loan losses | 9,000 | 12,000 | 12,000 | 0 |
| Pretax income | 254,000 | 494,000 | 738,000 | 5,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 0 |
| Net income | 253,000 | 493,000 | 737,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,836,000 | 6,076,000 | 5,880,000 | 5,319,000 |
| Total capital | 6,195,000 | 6,438,000 | 6,243,000 | 5,688,000 |
| Risk-weighted assets | 28,573,000 | 29,156,000 | 28,909,000 | 29,380,000 |