Call reports 2006
SILVERGATE BANK — 2006
What SILVERGATE 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 | 412,279,000 | 354,191,000 | 346,033,000 | 336,413,000 |
| Total loans | 285,465,000 | 286,758,000 | 282,331,000 | 272,266,000 |
| Allowance for loan losses | 1,666,000 | 1,646,000 | 1,814,000 | 1,632,000 |
| Securities available for sale | 102,449,000 | 52,743,000 | 49,704,000 | 47,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,510,000 | 190,194,000 | 191,387,000 | 206,996,000 |
| Interest-bearing deposits | 179,819,000 | 189,506,000 | 190,639,000 | 206,394,000 |
| Noninterest-bearing deposits | 691,000 | 688,000 | 748,000 | 602,000 |
| Equity capital | 29,868,000 | 29,660,000 | 30,127,000 | 30,400,000 |
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 | 5,016,000 | 10,209,000 | 15,648,000 | 21,133,000 |
| Interest expense | 3,194,000 | 6,540,000 | 9,963,000 | 13,461,000 |
| Net interest income | 1,822,000 | 3,669,000 | 5,685,000 | 7,672,000 |
| Noninterest income | -212,000 | -283,000 | -217,000 | -251,000 |
| Noninterest expense | 1,588,000 | 3,293,000 | 4,818,000 | 6,350,000 |
| Provision for loan losses | 200,000 | 200,000 | 400,000 | 567,000 |
| Pretax income | -183,000 | -112,000 | 245,000 | 499,000 |
| Income tax | -74,000 | -45,000 | 99,000 | 202,000 |
| Net income | -109,000 | -67,000 | 146,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,383,000 | 30,424,000 | 30,637,000 | 30,788,000 |
| Total capital | 32,049,000 | 32,070,000 | 32,451,000 | 32,420,000 |
| Risk-weighted assets | 214,624,000 | 221,697,000 | 224,485,000 | 220,281,000 |
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