Call reports 2006
ENVISION BANK — 2006
What ENVISION 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 | 374,309,000 | 380,886,000 | 381,155,000 | 376,806,000 |
| Total loans | 246,437,000 | 248,699,000 | 248,570,000 | 246,570,000 |
| Allowance for loan losses | 2,123,000 | 2,175,000 | 2,207,000 | 2,169,000 |
| Securities available for sale | 86,204,000 | 85,841,000 | 86,547,000 | 83,800,000 |
| Securities held to maturity | 10,960,000 | 10,954,000 | 10,949,000 | 10,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,070,000 | 334,530,000 | 337,632,000 | 333,602,000 |
| Interest-bearing deposits | 304,369,000 | 308,632,000 | 311,140,000 | 306,775,000 |
| Noninterest-bearing deposits | 27,701,000 | 25,898,000 | 26,492,000 | 26,827,000 |
| Equity capital | 32,713,000 | 32,857,000 | 34,187,000 | 34,296,000 |
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 | 4,728,000 | 9,616,000 | 14,649,000 | 19,719,000 |
| Interest expense | 1,805,000 | 3,873,000 | 6,126,000 | 8,455,000 |
| Net interest income | 2,923,000 | 5,743,000 | 8,523,000 | 11,264,000 |
| Noninterest income | 545,000 | 1,484,000 | 2,118,000 | 2,998,000 |
| Noninterest expense | 2,772,000 | 6,121,000 | 8,873,000 | 12,564,000 |
| Provision for loan losses | 44,000 | 95,000 | 129,000 | 129,000 |
| Pretax income | 652,000 | 1,008,000 | 1,612,000 | 1,542,000 |
| Income tax | 179,000 | 126,000 | 277,000 | 167,000 |
| Net income | 473,000 | 882,000 | 1,335,000 | 1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,659,000 | 35,046,000 | 35,572,000 | 35,587,000 |
| Total capital | 36,782,000 | 37,221,000 | 37,779,000 | 37,756,000 |
| Risk-weighted assets | 233,146,000 | 235,553,000 | 235,774,000 | 233,826,000 |