Call reports 2006
CHARLEVOIX STATE BANK — 2006
What CHARLEVOIX STATE 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 | 125,899,000 | 123,642,000 | 121,947,000 | 128,898,000 |
| Total loans | 105,020,000 | 105,935,000 | 105,136,000 | 104,227,000 |
| Allowance for loan losses | 1,184,000 | 1,186,000 | 1,162,000 | 963,000 |
| Securities available for sale | 13,216,000 | 6,520,000 | 7,868,000 | 10,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,879,000 | 106,030,000 | 103,848,000 | 110,385,000 |
| Interest-bearing deposits | 83,605,000 | 80,914,000 | 81,652,000 | 87,266,000 |
| Noninterest-bearing deposits | 21,274,000 | 25,116,000 | 22,196,000 | 23,119,000 |
| Equity capital | 12,242,000 | 12,624,000 | 13,059,000 | 13,404,000 |
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 | 2,010,000 | 4,064,000 | 6,150,000 | 8,308,000 |
| Interest expense | 613,000 | 1,274,000 | 1,972,000 | 2,766,000 |
| Net interest income | 1,397,000 | 2,790,000 | 4,178,000 | 5,542,000 |
| Noninterest income | 197,000 | 394,000 | 787,000 | 1,025,000 |
| Noninterest expense | 1,001,000 | 2,020,000 | 3,224,000 | 4,318,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 518,000 | 1,089,000 | 1,666,000 | 2,174,000 |
| Income tax | 147,000 | 334,000 | 520,000 | 695,000 |
| Net income | 371,000 | 755,000 | 1,146,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,285,000 | 12,669,000 | 13,062,000 | 13,394,000 |
| Total capital | 13,469,000 | 13,855,000 | 14,224,000 | 14,357,000 |
| Risk-weighted assets | 103,304,000 | 103,817,000 | 104,376,000 | 103,920,000 |
Machine access — free, no API key
Every figure shown here about CHARLEVOIX STATE BANK — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.