Call reports 2006
ALMENA STATE BANK — 2006
What ALMENA STATE 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 | 12,897,000 | 13,564,000 | 13,682,000 | 13,612,000 |
| Total loans | 10,167,000 | 10,904,000 | 10,729,000 | 10,619,000 |
| Allowance for loan losses | 90,000 | 88,000 | 91,000 | 86,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,061,000 | 862,000 | 812,000 | 813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,817,000 | 12,221,000 | 12,581,000 | 12,280,000 |
| Interest-bearing deposits | 10,006,000 | 10,103,000 | 10,204,000 | 10,322,000 |
| Noninterest-bearing deposits | 1,811,000 | 2,118,000 | 2,377,000 | 1,958,000 |
| Equity capital | 1,012,000 | 977,000 | 1,033,000 | 1,001,000 |
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 | 246,000 | 506,000 | 767,000 | 1,029,000 |
| Interest expense | 61,000 | 128,000 | 200,000 | 276,000 |
| Net interest income | 185,000 | 378,000 | 567,000 | 753,000 |
| Noninterest income | 75,000 | 104,000 | 155,000 | 205,000 |
| Noninterest expense | 182,000 | 350,000 | 532,000 | 746,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 68,000 | 122,000 | 180,000 | 202,000 |
| Income tax | 0 | 4,000 | 5,000 | 9,000 |
| Net income | 68,000 | 118,000 | 175,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 991,000 | 956,000 | 1,012,000 | 980,000 |
| Total capital | 1,081,000 | 1,044,000 | 1,103,000 | 1,066,000 |
| Risk-weighted assets | 10,495,000 | 10,867,000 | 10,925,000 | 11,066,000 |