Call reports 2006
SECOND NATIONAL BANK — 2006
What SECOND NATIONAL 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 | 383,218,000 | 387,075,000 | 397,668,000 | 397,602,000 |
| Total loans | 206,062,000 | 215,513,000 | 220,514,000 | 227,337,000 |
| Allowance for loan losses | 4,077,000 | 4,160,000 | 4,174,000 | 4,198,000 |
| Securities available for sale | 138,123,000 | 130,689,000 | 132,920,000 | 127,514,000 |
| Securities held to maturity | 15,449,000 | 15,063,000 | 14,528,000 | 14,370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,857,000 | 232,653,000 | 243,032,000 | 248,985,000 |
| Interest-bearing deposits | 199,731,000 | 195,313,000 | 195,411,000 | 204,955,000 |
| Noninterest-bearing deposits | 36,126,000 | 37,340,000 | 47,621,000 | 44,030,000 |
| Equity capital | 20,565,000 | 20,836,000 | 23,670,000 | 19,146,000 |
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 | 5,427,000 | 11,019,000 | 16,787,000 | 22,725,000 |
| Interest expense | 2,345,000 | 4,981,000 | 7,903,000 | 10,690,000 |
| Net interest income | 3,082,000 | 6,038,000 | 8,884,000 | 12,035,000 |
| Noninterest income | 558,000 | 1,161,000 | 1,766,000 | 2,333,000 |
| Noninterest expense | 1,938,000 | 3,816,000 | 5,705,000 | 7,481,000 |
| Provision for loan losses | -25,000 | 55,000 | 95,000 | 155,000 |
| Pretax income | 1,727,000 | 3,328,000 | 4,850,000 | 6,732,000 |
| Income tax | 516,000 | 990,000 | 1,436,000 | 2,027,000 |
| Net income | 1,211,000 | 2,338,000 | 3,414,000 | 4,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,069,000 | 24,199,000 | 25,276,000 | 21,070,000 |
| Total capital | 31,029,000 | 32,244,000 | 33,371,000 | 26,723,000 |
| Risk-weighted assets | 235,674,000 | 242,521,000 | 246,516,000 | 251,192,000 |