Call reports 2006
FIRST NATIONAL BANK OF RAYMOND, THE — 2006
What FIRST NATIONAL BANK OF RAYMOND, 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 | 101,096,000 | 99,255,000 | 100,104,000 | 103,048,000 |
| Total loans | 56,425,000 | 58,941,000 | 59,515,000 | 62,424,000 |
| Allowance for loan losses | 545,000 | 559,000 | 574,000 | 577,000 |
| Securities available for sale | 35,618,000 | 33,683,000 | 34,109,000 | 31,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,211,000 | 85,227,000 | 84,258,000 | 90,662,000 |
| Interest-bearing deposits | 73,443,000 | 71,841,000 | 72,127,000 | 73,993,000 |
| Noninterest-bearing deposits | 13,768,000 | 13,386,000 | 12,131,000 | 16,669,000 |
| Equity capital | 12,378,000 | 12,193,000 | 12,564,000 | 9,635,000 |
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 | 1,359,000 | 2,761,000 | 4,216,000 | 5,688,000 |
| Interest expense | 436,000 | 914,000 | 1,440,000 | 2,016,000 |
| Net interest income | 923,000 | 1,847,000 | 2,776,000 | 3,672,000 |
| Noninterest income | 162,000 | 322,000 | 464,000 | 629,000 |
| Noninterest expense | 772,000 | 1,559,000 | 2,324,000 | 3,068,000 |
| Provision for loan losses | 23,000 | 38,000 | 62,000 | 62,000 |
| Pretax income | 242,000 | 506,000 | 788,000 | 1,100,000 |
| Income tax | 56,000 | 122,000 | 198,000 | 285,000 |
| Net income | 186,000 | 384,000 | 590,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,862,000 | 12,971,000 | 13,081,000 | 10,197,000 |
| Total capital | 13,407,000 | 13,530,000 | 13,655,000 | 10,774,000 |
| Risk-weighted assets | 80,169,000 | 81,823,000 | 82,003,000 | 85,158,000 |