Call reports 2006
BANK OF THE SAN JUANS — 2006
What BANK OF THE SAN JUANS 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 | 111,436,000 | 117,467,000 | 131,256,000 | 132,891,000 |
| Total loans | 91,931,000 | 98,106,000 | 106,606,000 | 104,238,000 |
| Allowance for loan losses | 598,000 | 625,000 | 660,000 | 656,000 |
| Securities available for sale | 4,448,000 | 3,419,000 | 6,516,000 | 3,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,979,000 | 107,577,000 | 120,387,000 | 120,458,000 |
| Interest-bearing deposits | 80,131,000 | 85,139,000 | 94,426,000 | 94,198,000 |
| Noninterest-bearing deposits | 21,848,000 | 22,438,000 | 25,961,000 | 26,260,000 |
| Equity capital | 9,236,000 | 9,654,000 | 10,576,000 | 12,150,000 |
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 | 1,873,000 | 4,015,000 | 6,425,000 | 8,880,000 |
| Interest expense | 531,000 | 1,178,000 | 1,939,000 | 2,752,000 |
| Net interest income | 1,342,000 | 2,837,000 | 4,486,000 | 6,128,000 |
| Noninterest income | 217,000 | 465,000 | 731,000 | 1,033,000 |
| Noninterest expense | 1,008,000 | 2,023,000 | 3,159,000 | 4,336,000 |
| Provision for loan losses | 23,000 | 50,000 | 87,000 | 101,000 |
| Pretax income | 528,000 | 1,229,000 | 1,971,000 | 2,724,000 |
| Income tax | 194,000 | 452,000 | 726,000 | 1,003,000 |
| Net income | 334,000 | 777,000 | 1,245,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,244,000 | 9,657,000 | 10,572,000 | 12,146,000 |
| Total capital | 9,842,000 | 10,282,000 | 11,232,000 | 12,802,000 |
| Risk-weighted assets | 94,617,000 | 99,506,000 | 104,340,000 | 104,202,000 |