Call reports 2006
FIRST CITY BANK — 2006
What FIRST CITY 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 | 54,523,000 | 56,335,000 | 54,996,000 | 55,348,000 |
| Total loans | 46,313,000 | 47,713,000 | 47,524,000 | 48,579,000 |
| Allowance for loan losses | 513,000 | 530,000 | 546,000 | 563,000 |
| Securities available for sale | 5,324,000 | 4,953,000 | 4,351,000 | 4,585,000 |
| Securities held to maturity | 7,000 | 7,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,866,000 | 42,724,000 | 44,951,000 | 44,734,000 |
| Interest-bearing deposits | 40,848,000 | 40,231,000 | 42,732,000 | 41,919,000 |
| Noninterest-bearing deposits | 2,018,000 | 2,493,000 | 2,220,000 | 2,815,000 |
| Equity capital | 4,344,000 | 4,440,000 | 4,478,000 | 4,595,000 |
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 | 859,000 | 1,804,000 | 2,750,000 | 3,734,000 |
| Interest expense | 412,000 | 887,000 | 1,405,000 | 1,937,000 |
| Net interest income | 447,000 | 917,000 | 1,345,000 | 1,797,000 |
| Noninterest income | 8,000 | 15,000 | 23,000 | 31,000 |
| Noninterest expense | 351,000 | 716,000 | 1,052,000 | 1,374,000 |
| Provision for loan losses | 13,000 | 28,000 | 43,000 | 58,000 |
| Pretax income | 91,000 | 188,000 | 273,000 | 396,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 91,000 | 188,000 | 273,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,383,000 | 4,478,000 | 4,489,000 | 4,605,000 |
| Total capital | 5,343,000 | 5,460,000 | 5,477,000 | 6,109,000 |
| Risk-weighted assets | 36,722,000 | 38,482,000 | 39,424,000 | 40,392,000 |