Call reports 2006
TOUCHSTONE BANK — 2006
What TOUCHSTONE 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 | 147,596,000 | 146,962,000 | 149,782,000 | 151,879,000 |
| Total loans | 99,224,000 | 100,870,000 | 101,925,000 | 101,972,000 |
| Allowance for loan losses | 1,041,000 | 1,054,000 | 1,051,000 | 1,070,000 |
| Securities available for sale | 24,991,000 | 25,811,000 | 28,215,000 | 27,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,894,000 | 115,330,000 | 117,520,000 | 119,262,000 |
| Interest-bearing deposits | 93,289,000 | 93,121,000 | 93,900,000 | 95,371,000 |
| Noninterest-bearing deposits | 22,606,000 | 22,209,000 | 23,620,000 | 23,891,000 |
| Equity capital | 16,172,000 | 16,328,000 | 16,921,000 | 16,918,000 |
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 | 2,164,000 | 4,392,000 | 6,719,000 | 9,123,000 |
| Interest expense | 714,000 | 1,535,000 | 2,413,000 | 3,334,000 |
| Net interest income | 1,450,000 | 2,857,000 | 4,306,000 | 5,789,000 |
| Noninterest income | 345,000 | 719,000 | 1,091,000 | 1,489,000 |
| Noninterest expense | 1,297,000 | 2,647,000 | 4,045,000 | 5,374,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 46,000 |
| Pretax income | 493,000 | 913,000 | 1,311,000 | 1,837,000 |
| Income tax | 153,000 | 282,000 | 404,000 | 570,000 |
| Net income | 340,000 | 631,000 | 907,000 | 1,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,769,000 | 17,060,000 | 17,336,000 | 17,214,000 |
| Total capital | 17,670,000 | 17,974,000 | 18,247,000 | 18,144,000 |
| Risk-weighted assets | 108,189,000 | 108,464,000 | 110,308,000 | 112,137,000 |
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