Call reports 2006
GNB BANK — 2006
What GNB 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 | 156,224,000 | 152,949,000 | 163,727,000 | 166,192,000 |
| Total loans | 94,029,000 | 93,873,000 | 103,837,000 | 106,220,000 |
| Allowance for loan losses | 1,001,000 | 992,000 | 992,000 | 1,007,000 |
| Securities available for sale | 45,254,000 | 44,413,000 | 44,523,000 | 43,646,000 |
| Securities held to maturity | 1,290,000 | 1,528,000 | 1,485,000 | 1,485,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,554,000 | 106,129,000 | 112,556,000 | 117,391,000 |
| Interest-bearing deposits | 97,306,000 | 95,575,000 | 100,658,000 | 104,582,000 |
| Noninterest-bearing deposits | 11,248,000 | 10,554,000 | 11,898,000 | 12,809,000 |
| Equity capital | 16,273,000 | 13,237,000 | 14,205,000 | 14,705,000 |
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 | 2,097,000 | 4,292,000 | 6,616,000 | 9,117,000 |
| Interest expense | 951,000 | 1,998,000 | 3,181,000 | 4,512,000 |
| Net interest income | 1,146,000 | 2,294,000 | 3,435,000 | 4,605,000 |
| Noninterest income | 477,000 | 921,000 | 1,484,000 | 2,019,000 |
| Noninterest expense | 1,180,000 | 2,214,000 | 3,369,000 | 4,339,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 45,000 |
| Pretax income | 428,000 | 967,000 | 1,487,000 | 2,207,000 |
| Income tax | 74,000 | 188,000 | 302,000 | 462,000 |
| Net income | 354,000 | 779,000 | 1,185,000 | 1,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,433,000 | 12,742,000 | 13,159,000 | 13,718,000 |
| Total capital | 16,434,000 | 13,734,000 | 14,151,000 | 14,725,000 |
| Risk-weighted assets | 124,353,000 | 124,626,000 | 131,196,000 | 136,590,000 |