Call reports 2006
INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. — 2006
What INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. 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 | 41,099,000 | 43,716,000 | 48,657,000 | 52,256,000 |
| Total loans | 33,583,000 | 35,770,000 | 36,501,000 | 36,501,000 |
| Allowance for loan losses | 469,000 | 478,000 | 432,000 | 441,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,558,000 | 20,719,000 | 16,700,000 | 22,125,000 |
| Interest-bearing deposits | 100,000 | 100,000 | 0 | 0 |
| Noninterest-bearing deposits | 18,458,000 | 20,619,000 | 16,700,000 | 22,125,000 |
| Equity capital | 6,962,000 | 7,137,000 | 7,287,000 | 7,506,000 |
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 | 581,000 | 1,245,000 | 2,006,000 | 2,763,000 |
| Interest expense | 259,000 | 512,000 | 856,000 | 1,166,000 |
| Net interest income | 322,000 | 733,000 | 1,150,000 | 1,597,000 |
| Noninterest income | 1,228,000 | 2,479,000 | 3,749,000 | 5,023,000 |
| Noninterest expense | 1,369,000 | 2,732,000 | 4,153,000 | 5,537,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 172,000 | 462,000 | 719,000 | 1,047,000 |
| Income tax | 73,000 | 188,000 | 295,000 | 404,000 |
| Net income | 99,000 | 274,000 | 424,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,962,000 | 7,137,000 | 7,287,000 | 7,506,000 |
| Total capital | 7,431,000 | 7,615,000 | 7,719,000 | 7,947,000 |
| Risk-weighted assets | 38,024,000 | 39,512,000 | 40,506,000 | 40,049,000 |