Call reports 2006
KNISELY BANK — 2006
What KNISELY 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 | 47,202,000 | 46,328,000 | 47,504,000 | 46,394,000 |
| Total loans | 32,633,000 | 33,062,000 | 33,245,000 | 33,319,000 |
| Allowance for loan losses | 309,000 | 302,000 | 299,000 | 299,000 |
| Securities available for sale | 9,372,000 | 6,405,000 | 3,948,000 | 3,474,000 |
| Securities held to maturity | 50,000 | 50,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,744,000 | 41,909,000 | 42,848,000 | 41,561,000 |
| Interest-bearing deposits | 33,478,000 | 33,155,000 | 33,803,000 | 32,630,000 |
| Noninterest-bearing deposits | 9,266,000 | 8,754,000 | 9,045,000 | 8,931,000 |
| Equity capital | 4,232,000 | 4,199,000 | 4,371,000 | 4,531,000 |
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 | 615,000 | 1,239,000 | 1,894,000 | 2,572,000 |
| Interest expense | 186,000 | 360,000 | 564,000 | 795,000 |
| Net interest income | 429,000 | 879,000 | 1,330,000 | 1,777,000 |
| Noninterest income | 114,000 | 232,000 | 365,000 | 467,000 |
| Noninterest expense | 411,000 | 840,000 | 1,289,000 | 1,698,000 |
| Provision for loan losses | 5,000 | 9,000 | 15,000 | 20,000 |
| Pretax income | 127,000 | 262,000 | 391,000 | 526,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 262,000 | 391,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,359,000 | 4,294,000 | 4,423,000 | 4,557,000 |
| Total capital | 4,668,000 | 4,596,000 | 4,722,000 | 4,856,000 |
| Risk-weighted assets | 27,346,000 | 27,425,000 | 28,077,000 | 27,838,000 |