|
|
(000’s)
|
1st Nat’l Bank of Columbia
|
First
& Farmers
|
Consolidated Banks
|
Consolidated Banks
|
Consolidated Banks
|
Consolidated Banks
|
Consolidated Banks
|
|
12/31/2006
|
12/31/2006
|
12/31/2006
|
12/31/2005
|
12/31/2004
|
12/31/2003
|
12/31/2002
|
|
BALANCE SHEET:
|
|
Cash
|
$3,656
|
$7,438
|
$11,094
|
$12,889
|
$12,388
|
$6,915
|
$5,983
|
|
SECURITIES
|
|
Held-to-Maturity
|
5,755
|
17,249
|
23,004
|
22,191
|
27,719
|
31,842
|
26,465
|
|
Available for Sale
|
39,016
|
42,121
|
81,137
|
88,985
|
67,349
|
27,256
|
21,542
|
|
Fed Funds
|
4,932
|
-
|
4,932
|
3,126
|
4,817
|
525
|
6,499
|
|
Net Loans
|
107,482
|
160,832
|
268,314
|
263,108
|
260,681
|
189,274
|
175,848
|
|
Fixed Assets
|
1,883
|
4,880
|
6,763
|
7,137
|
7,047
|
3,237
|
3,001
|
|
Oreo
|
-
|
48
|
48
|
385
|
28
|
189
|
0
|
|
*Intangibles
|
4,744
|
13,025
|
17,769
|
18120
|
18,818
|
5,084
|
5,346
|
|
Other Assets
|
2,371
|
1,911
|
4,282
|
5,640
|
6,347
|
5,154
|
3,945
|
|
TOTAL ASSETS
|
$169,839
|
$247,504
|
$417,343
|
$421,581
|
$405,194
|
$269,476
|
$248,629
|
|
|
|
DDA
|
$19,163
|
$37,584
|
$56,747
|
$59,231
|
$53,014
|
$31,407
|
$31,151
|
|
Int. Bearing
|
129,330
|
172,106
|
301,436
|
307,786
|
300,122
|
198,383
|
183,991
|
|
Total Deposits
|
$148,493
|
$209,690
|
$358,183
|
$367,017
|
$353,136
|
$229,790
|
$215,142
|
|
Fed Funds Purchased/Other
|
239
|
5,036
|
5,275
|
315
|
815
|
12,985
|
6,713
|
|
Other Liabilities
|
1,332
|
1,663
|
2,995
|
2,188
|
1,338
|
877
|
1,609
|
|
TOTAL LIABILITIES
|
$150,064
|
$216,389
|
$366,453
|
$369,520
|
$355,289
|
$243,652
|
$223,464
|
|
|
|
Common Stock
|
$200
|
$1,000
|
$1,200
|
$1,200
|
$1,200
|
$1,200
|
$1,200
|
|
Surplus
|
16,952
|
28,898
|
45,850
|
45,850
|
44,493
|
19,700
|
19,699
|
|
Undivided Profits
|
2,576
|
1,730
|
4,306
|
5,597
|
4,353
|
4,671
|
3,851
|
|
Net Unrealized Gains/(Losses)
|
47
|
(513)
|
(466)
|
(586)
|
(141)
|
253
|
415
|
|
TOTAL CAPITAL
|
$19,775
|
$31,115
|
$50,890
|
$52,061
|
$49,905
|
$25,824
|
$25,165
|
|
TOTAL LIABILITIES & CAPITAL
|
$169,839
|
$247,504
|
$417,343
|
$421,581
|
$405,194
|
$269,476
|
$248,629
|
|
|
|
INCOME STATEMENT:
|
|
Loan Income
|
$8,169
|
$10,812
|
$18,981
|
$18,030
|
$16,354
|
$13,454
|
$13,192
|
|
Investment Income
|
1,925
|
2,432
|
4,357
|
4,292
|
3,657
|
2,545
|
2,678
|
|
Fed Funds Income
|
212
|
135
|
347
|
270
|
128
|
82
|
46
|
|
TOTAL INT. INCOME
|
$10,306
|
$13,379
|
$23,685
|
$22,592
|
$20,139
|
$16,081
|
$15,916
|
|
INTEREST EXPENSE:
|
|
Transaction Accts.
|
$862
|
$215
|
$1,077
|
$1,042
|
$809
|
$792
|
$745
|
|
Money Market
|
115
|
252
|
367
|
295
|
230
|
166
|
228
|
|
Savings
|
221
|
130
|
351
|
369
|
263
|
189
|
298
|
|
Time Deposits $100M & Over
|
1,211
|
1,462
|
2,673
|
1,896
|
1,492
|
1,370
|
1,492
|
|
Time Deposits Under $100M
|
2,171
|
2,745
|
4,916
|
3,528
|
2,918
|
2,528
|
3,173
|
|
TOTAL:
|
$4,580
|
$4,804
|
$9,384
|
$7,130
|
$5,712
|
$5,045
|
$5,936
|
|
|
|
Fed Funds/Other
|
14
|
19
|
33
|
74
|
113
|
136
|
155
|
|
|
|
|
|
|
|
|
|
|
TOTAL INT. EXPENSE
|
$4,594
|
$4,823
|
$9,417
|
$7,204
|
$5,825
|
$5,181
|
$6,091
|
|
NET INTEREST INCOME
|
$5,712
|
$8,556
|
$14,268
|
$15,388
|
$14,314
|
$10,900
|
$9,825
|
|
Provision for Loan Losses
|
$765
|
$480
|
$1,245
|
$2,114
|
$3,297
|
$2,722
|
$659
|
|
Provision for SEC
Losses
|
-
|
-
|
-
|
21
|
-
|
-
|
-
|
|
SC’S on Deposit Accts
|
968
|
1,102
|
2,070
|
1,497
|
1,380
|
1,117
|
988
|
|
Other Non-Int Income
|
208
|
748
|
956
|
448
|
467
|
277
|
297
|
|
Gain/Losses on Securities
|
-
|
-
|
-
|
(291)
|
13
|
0
|
-31
|
|
Salaries & Emp. Benefits
|
2,603
|
4,222
|
6,825
|
6,535
|
6,215
|
3,340
|
3,145
|
|
Fixed Assets Expenses
|
403
|
671
|
1,074
|
1,289
|
1,385
|
767
|
702
|
|
Core Deposit Intangible Amortization
|
-
|
-
|
-
|
-
|
120
|
-
|
-
|
|
Other Non-Int Expense
|
1,795
|
2,394
|
4,189
|
3,898
|
4,010
|
2,364
|
1,976
|
|
INCOME BEFORE TAXES
|
$1,322
|
$2,639
|
$3,961
|
$3,185
|
$1,147
|
$3,101
|
$4,597
|
|
INCOME TAXES
|
259
|
722
|
981
|
(676)
|
(61)
|
681
|
1,320
|
|
NET INCOME AFTER TAXES
|
$1,063
|
$1917
|
$2,980
|
$2,509
|
$1,208
|
$2,420
|
$3,277
|
|
