Call reports 2006
BANK OF DELIGHT — 2006
What BANK OF DELIGHT 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 | 79,990,000 | 77,987,000 | 78,351,000 | 81,429,000 |
| Total loans | 52,492,000 | 55,465,000 | 54,234,000 | 52,477,000 |
| Allowance for loan losses | 785,000 | 788,000 | 808,000 | 807,000 |
| Securities available for sale | 995,000 | 986,000 | 999,000 | 1,003,000 |
| Securities held to maturity | 18,616,000 | 17,342,000 | 17,430,000 | 17,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,155,000 | 62,987,000 | 63,783,000 | 67,166,000 |
| Interest-bearing deposits | 60,725,000 | 56,944,000 | 58,687,000 | 61,299,000 |
| Noninterest-bearing deposits | 5,430,000 | 6,043,000 | 5,096,000 | 5,867,000 |
| Equity capital | 13,345,000 | 13,696,000 | 14,043,000 | 13,941,000 |
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 | 1,193,000 | 2,468,000 | 3,738,000 | 5,092,000 |
| Interest expense | 425,000 | 886,000 | 1,383,000 | 1,923,000 |
| Net interest income | 768,000 | 1,582,000 | 2,355,000 | 3,169,000 |
| Noninterest income | 28,000 | 54,000 | 81,000 | 104,000 |
| Noninterest expense | 332,000 | 640,000 | 947,000 | 1,307,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 463,000 | 995,000 | 1,487,000 | 1,965,000 |
| Income tax | 165,000 | 341,000 | 494,000 | 577,000 |
| Net income | 298,000 | 654,000 | 993,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,352,000 | 13,708,000 | 14,047,000 | 13,942,000 |
| Total capital | 13,997,000 | 14,385,000 | 14,706,000 | 14,587,000 |
| Risk-weighted assets | 51,456,000 | 54,093,000 | 52,564,000 | 51,439,000 |