Call reports 2006
CUSTOMERS BANK — 2006
What CUSTOMERS 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 | 193,613,000 | 216,798,000 | 224,291,000 | 234,526,000 |
| Total loans | 147,582,000 | 160,377,000 | 168,170,000 | 178,175,000 |
| Allowance for loan losses | 1,709,000 | 1,847,000 | 1,941,000 | 2,029,000 |
| Securities available for sale | 32,627,000 | 38,610,000 | 42,055,000 | 43,976,000 |
| Securities held to maturity | 4,295,000 | 4,159,000 | 3,909,000 | 2,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,515,000 | 161,889,000 | 181,090,000 | 182,401,000 |
| Interest-bearing deposits | 136,358,000 | 144,225,000 | 163,675,000 | 162,267,000 |
| Noninterest-bearing deposits | 16,157,000 | 17,664,000 | 17,415,000 | 20,134,000 |
| Equity capital | 15,627,000 | 15,479,000 | 16,019,000 | 16,240,000 |
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 | 2,993,000 | 6,320,000 | 10,009,000 | 13,917,000 |
| Interest expense | 1,410,000 | 3,104,000 | 5,179,000 | 7,461,000 |
| Net interest income | 1,583,000 | 3,216,000 | 4,830,000 | 6,456,000 |
| Noninterest income | 104,000 | 205,000 | 360,000 | 479,000 |
| Noninterest expense | 1,281,000 | 2,697,000 | 4,157,000 | 5,588,000 |
| Provision for loan losses | 93,000 | 230,000 | 324,000 | 416,000 |
| Pretax income | 313,000 | 494,000 | 709,000 | 931,000 |
| Income tax | 94,000 | 153,000 | 215,000 | 275,000 |
| Net income | 219,000 | 341,000 | 494,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,989,000 | 16,111,000 | 16,264,000 | 16,427,000 |
| Total capital | 19,698,000 | 19,958,000 | 20,205,000 | 20,456,000 |
| Risk-weighted assets | 141,015,000 | 155,891,000 | 156,772,000 | 165,559,000 |