Call reports 2006
BB&T FINANCIAL, FSB — 2006
What BB&T FINANCIAL, FSB 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 | 111,730,000 | 121,341,000 | 115,201,000 | 123,565,000 |
| Total loans | 108,624,000 | 112,481,000 | 114,807,000 | 120,450,000 |
| Allowance for loan losses | 5,480,000 | 5,684,000 | 5,711,000 | 5,813,000 |
| Securities available for sale | 981,000 | 975,000 | 985,000 | 985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 652,000 | 617,000 | 633,000 | 650,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 652,000 | 617,000 | 633,000 | 650,000 |
| Equity capital | 21,483,000 | 22,951,000 | 24,854,000 | 26,589,000 |
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 | 2,983,000 | 6,109,000 | 9,628,000 | 13,265,000 |
| Interest expense | 1,012,000 | 2,065,000 | 3,269,000 | 4,458,000 |
| Net interest income | 1,971,000 | 4,044,000 | 6,359,000 | 8,807,000 |
| Noninterest income | 3,097,000 | 6,091,000 | 9,248,000 | 12,436,000 |
| Noninterest expense | 1,833,000 | 3,654,000 | 5,602,000 | 7,576,000 |
| Provision for loan losses | 757,000 | 1,612,000 | 2,052,000 | 2,888,000 |
| Pretax income | 2,478,000 | 4,869,000 | 7,953,000 | 10,779,000 |
| Income tax | 954,000 | 1,877,000 | 3,068,000 | 4,160,000 |
| Net income | 1,524,000 | 2,992,000 | 4,885,000 | 6,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,658,000 | 22,161,000 | 24,090,000 | 25,858,000 |
| Total capital | 22,096,000 | 23,625,000 | 25,562,000 | 27,429,000 |
| Risk-weighted assets | 111,029,000 | 112,937,000 | 113,559,000 | 121,474,000 |