Call reports 2006
FIRST NATIONAL BANK OF NASSAU COUNTY — 2006
What FIRST NATIONAL BANK OF NASSAU COUNTY 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 | 199,698,000 | 218,459,000 | 220,366,000 | 232,802,000 |
| Total loans | 131,794,000 | 138,372,000 | 144,599,000 | 155,857,000 |
| Allowance for loan losses | 1,574,000 | 1,590,000 | 1,667,000 | 1,820,000 |
| Securities available for sale | 28,493,000 | 37,097,000 | 37,509,000 | 37,143,000 |
| Securities held to maturity | 11,396,000 | 10,957,000 | 10,555,000 | 10,234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,516,000 | 171,833,000 | 170,810,000 | 177,611,000 |
| Interest-bearing deposits | 138,680,000 | 156,868,000 | 156,906,000 | 162,949,000 |
| Noninterest-bearing deposits | 13,836,000 | 14,965,000 | 13,904,000 | 14,662,000 |
| Equity capital | 26,493,000 | 26,816,000 | 30,087,000 | 30,716,000 |
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 | 3,063,000 | 6,695,000 | 10,554,000 | 14,512,000 |
| Interest expense | 1,432,000 | 3,165,000 | 5,070,000 | 7,087,000 |
| Net interest income | 1,631,000 | 3,530,000 | 5,484,000 | 7,425,000 |
| Noninterest income | 245,000 | 560,000 | 774,000 | 1,073,000 |
| Noninterest expense | 1,205,000 | 2,450,000 | 3,657,000 | 4,983,000 |
| Provision for loan losses | 120,000 | 221,000 | 298,000 | 451,000 |
| Pretax income | 551,000 | 1,419,000 | 2,303,000 | 3,051,000 |
| Income tax | 193,000 | 497,000 | 806,000 | 1,021,000 |
| Net income | 358,000 | 922,000 | 1,497,000 | 2,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,923,000 | 16,586,000 | 19,762,000 | 19,842,000 |
| Total capital | 17,656,000 | 18,350,000 | 21,638,000 | 21,875,000 |
| Risk-weighted assets | 157,924,000 | 169,109,000 | 181,912,000 | 179,440,000 |