Call reports 2006
ACB BANK — 2006
What ACB 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 | 35,219,000 | 38,438,000 | 44,399,000 | 45,144,000 |
| Total loans | 25,570,000 | 27,362,000 | 31,008,000 | 33,143,000 |
| Allowance for loan losses | 467,000 | 482,000 | 491,000 | 481,000 |
| Securities available for sale | 3,488,000 | 4,432,000 | 4,434,000 | 4,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,180,000 | 29,348,000 | 35,341,000 | 36,123,000 |
| Interest-bearing deposits | 22,897,000 | 25,388,000 | 30,125,000 | 31,238,000 |
| Noninterest-bearing deposits | 2,283,000 | 3,960,000 | 5,216,000 | 4,885,000 |
| Equity capital | 3,348,000 | 3,389,000 | 3,586,000 | 3,730,000 |
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 | 625,000 | 1,270,000 | 1,989,000 | 2,821,000 |
| Interest expense | 257,000 | 522,000 | 802,000 | 1,143,000 |
| Net interest income | 368,000 | 748,000 | 1,187,000 | 1,678,000 |
| Noninterest income | 47,000 | 87,000 | 142,000 | 205,000 |
| Noninterest expense | 142,000 | 338,000 | 574,000 | 1,030,000 |
| Provision for loan losses | 40,000 | 50,000 | 50,000 | 125,000 |
| Pretax income | 233,000 | 447,000 | 705,000 | 728,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 233,000 | 447,000 | 705,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,391,000 | 3,330,000 | 3,327,000 | 3,457,000 |
| Total capital | 3,749,000 | 3,710,000 | 3,766,000 | 3,909,000 |
| Risk-weighted assets | 28,560,000 | 30,326,000 | 35,059,000 | 36,165,000 |