Call reports 2006
LEADERS BANK, THE — 2006
What LEADERS BANK, THE 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 | 350,394,000 | 347,455,000 | 355,533,000 | 381,702,000 |
| Total loans | 286,272,000 | 300,402,000 | 316,626,000 | 323,254,000 |
| Allowance for loan losses | 3,006,000 | 3,155,000 | 3,325,000 | 4,097,000 |
| Securities available for sale | 37,230,000 | 34,738,000 | 24,870,000 | 25,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,931,000 | 315,939,000 | 321,396,000 | 344,721,000 |
| Interest-bearing deposits | 298,483,000 | 293,847,000 | 293,606,000 | 318,837,000 |
| Noninterest-bearing deposits | 17,448,000 | 22,092,000 | 27,791,000 | 25,885,000 |
| Equity capital | 27,786,000 | 28,981,000 | 31,062,000 | 32,312,000 |
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 | 5,364,000 | 11,359,000 | 17,961,000 | 24,802,000 |
| Interest expense | 2,669,000 | 5,751,000 | 9,121,000 | 12,773,000 |
| Net interest income | 2,695,000 | 5,608,000 | 8,840,000 | 12,029,000 |
| Noninterest income | 150,000 | 315,000 | 476,000 | 675,000 |
| Noninterest expense | 1,685,000 | 3,672,000 | 5,666,000 | 7,804,000 |
| Provision for loan losses | 225,000 | 343,000 | 513,000 | 576,000 |
| Pretax income | 935,000 | 1,896,000 | 3,117,000 | 4,254,000 |
| Income tax | 315,000 | 678,000 | 1,106,000 | 1,497,000 |
| Net income | 620,000 | 1,218,000 | 2,011,000 | 2,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,167,000 | 29,416,000 | 31,208,000 | 32,454,000 |
| Total capital | 31,173,000 | 32,571,000 | 34,533,000 | 36,551,000 |
| Risk-weighted assets | 311,462,000 | 321,818,000 | 337,328,000 | 355,318,000 |