Call reports 2006
PORT WASHINGTON STATE BANK, THE — 2006
What PORT WASHINGTON STATE BANK, THE 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 | 276,231,000 | 297,101,000 | 308,569,000 | 323,487,000 |
| Total loans | 222,723,000 | 228,990,000 | 236,850,000 | 249,311,000 |
| Allowance for loan losses | 2,377,000 | 2,443,000 | 2,488,000 | 2,608,000 |
| Securities available for sale | 38,668,000 | 44,230,000 | 54,513,000 | 53,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,752,000 | 265,088,000 | 266,772,000 | 276,948,000 |
| Interest-bearing deposits | 212,355,000 | 230,647,000 | 234,088,000 | 243,934,000 |
| Noninterest-bearing deposits | 31,397,000 | 34,441,000 | 32,684,000 | 33,013,000 |
| Equity capital | 21,047,000 | 21,230,000 | 21,996,000 | 22,576,000 |
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 | 4,352,000 | 9,005,000 | 14,175,000 | 19,648,000 |
| Interest expense | 1,754,000 | 3,782,000 | 6,195,000 | 8,814,000 |
| Net interest income | 2,598,000 | 5,223,000 | 7,980,000 | 10,834,000 |
| Noninterest income | 448,000 | 1,115,000 | 1,583,000 | 2,180,000 |
| Noninterest expense | 2,131,000 | 4,357,000 | 6,580,000 | 8,817,000 |
| Provision for loan losses | 90,000 | 180,000 | 281,000 | 433,000 |
| Pretax income | 787,000 | 1,730,000 | 2,654,000 | 3,726,000 |
| Income tax | 258,000 | 565,000 | 856,000 | 1,183,000 |
| Net income | 529,000 | 1,165,000 | 1,798,000 | 2,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,048,000 | 21,059,000 | 21,610,000 | 21,987,000 |
| Total capital | 23,425,000 | 23,502,000 | 24,098,000 | 24,595,000 |
| Risk-weighted assets | 221,603,000 | 234,937,000 | 239,962,000 | 251,581,000 |