Call reports 2006
BANK OF MODESTO — 2006
What BANK OF MODESTO 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 | 32,861,000 | 32,140,000 | 31,951,000 | 34,689,000 |
| Total loans | 19,051,000 | 19,671,000 | 19,959,000 | 20,412,000 |
| Allowance for loan losses | 132,000 | 132,000 | 132,000 | 149,000 |
| Securities available for sale | 727,000 | 722,000 | 734,000 | 734,000 |
| Securities held to maturity | 8,967,000 | 8,471,000 | 8,459,000 | 9,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,204,000 | 28,465,000 | 28,230,000 | 31,229,000 |
| Interest-bearing deposits | 25,860,000 | 25,162,000 | 25,123,000 | 27,297,000 |
| Noninterest-bearing deposits | 3,344,000 | 3,303,000 | 3,106,000 | 3,932,000 |
| Equity capital | 3,256,000 | 3,300,000 | 3,339,000 | 3,294,000 |
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 | 335,000 | 788,000 | 1,249,000 | 1,742,000 |
| Interest expense | 94,000 | 270,000 | 452,000 | 651,000 |
| Net interest income | 241,000 | 518,000 | 797,000 | 1,091,000 |
| Noninterest income | 24,000 | 56,000 | 85,000 | 112,000 |
| Noninterest expense | 161,000 | 390,000 | 650,000 | 924,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 100,000 | 184,000 | 232,000 | 264,000 |
| Income tax | 23,000 | 53,000 | 71,000 | 87,000 |
| Net income | 77,000 | 131,000 | 161,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,406,000 | 2,450,000 | 2,547,000 | 2,529,000 |
| Total capital | 2,538,000 | 2,582,000 | 2,679,000 | 2,678,000 |
| Risk-weighted assets | 21,362,000 | 21,623,000 | 21,954,000 | 22,943,000 |
Machine access — free, no API key
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