Call reports 2006
TSB BANK — 2006
What TSB 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 | 56,837,000 | 57,336,000 | 58,413,000 | 62,600,000 |
| Total loans | 48,134,000 | 48,392,000 | 49,879,000 | 50,485,000 |
| Allowance for loan losses | 526,000 | 560,000 | 773,000 | 727,000 |
| Securities available for sale | 1,095,000 | 991,000 | 998,000 | 501,000 |
| Securities held to maturity | 1,695,000 | 2,195,000 | 3,085,000 | 5,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,061,000 | 50,401,000 | 51,361,000 | 55,356,000 |
| Interest-bearing deposits | 42,345,000 | 41,958,000 | 43,303,000 | 44,302,000 |
| Noninterest-bearing deposits | 7,716,000 | 8,443,000 | 8,058,000 | 11,054,000 |
| Equity capital | 5,282,000 | 5,399,000 | 5,577,000 | 5,692,000 |
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 | 933,000 | 1,882,000 | 2,885,000 | 3,900,000 |
| Interest expense | 326,000 | 665,000 | 1,038,000 | 1,430,000 |
| Net interest income | 607,000 | 1,217,000 | 1,847,000 | 2,470,000 |
| Noninterest income | 79,000 | 168,000 | 261,000 | 363,000 |
| Noninterest expense | 448,000 | 925,000 | 1,419,000 | 1,920,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 49,000 |
| Pretax income | 208,000 | 400,000 | 629,000 | 864,000 |
| Income tax | 79,000 | 151,000 | 207,000 | 327,000 |
| Net income | 129,000 | 249,000 | 422,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,287,000 | 5,405,000 | 5,579,000 | 5,691,000 |
| Total capital | 5,813,000 | 5,965,000 | 6,223,000 | 6,385,000 |
| Risk-weighted assets | 49,486,000 | 50,195,000 | 51,424,000 | 55,468,000 |