Call reports 2006
FIRST NATIONAL BANK OF LAKE CITY & CREEDE — 2006
What FIRST NATIONAL BANK OF LAKE CITY & CREEDE 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 | 34,399,000 | 36,306,000 | 37,423,000 | 34,375,000 |
| Total loans | 19,097,000 | 19,252,000 | 18,220,000 | 16,103,000 |
| Allowance for loan losses | 279,000 | 278,000 | 279,000 | 261,000 |
| Securities available for sale | 9,457,000 | 9,273,000 | 9,322,000 | 9,271,000 |
| Securities held to maturity | 925,000 | 924,000 | 924,000 | 868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,460,000 | 33,357,000 | 34,220,000 | 31,048,000 |
| Interest-bearing deposits | 25,182,000 | 25,241,000 | 24,487,000 | 22,921,000 |
| Noninterest-bearing deposits | 6,278,000 | 8,116,000 | 9,733,000 | 8,127,000 |
| Equity capital | 2,791,000 | 2,825,000 | 3,044,000 | 3,160,000 |
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 | 495,000 | 1,052,000 | 1,642,000 | 2,220,000 |
| Interest expense | 135,000 | 277,000 | 425,000 | 573,000 |
| Net interest income | 360,000 | 775,000 | 1,217,000 | 1,647,000 |
| Noninterest income | 34,000 | 55,000 | 107,000 | 139,000 |
| Noninterest expense | 281,000 | 584,000 | 903,000 | 1,248,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 246,000 | 421,000 | 538,000 |
| Income tax | 39,000 | 84,000 | 151,000 | 171,000 |
| Net income | 74,000 | 162,000 | 270,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,959,000 | 3,046,000 | 3,154,000 | 3,251,000 |
| Total capital | 3,226,000 | 3,324,000 | 3,422,000 | 3,494,000 |
| Risk-weighted assets | 21,337,000 | 25,997,000 | 21,431,000 | 19,402,000 |