Call reports 2006
HEIGHTS BANK, THE — 2006
What HEIGHTS 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 | 41,318,000 | 42,888,000 | 42,434,000 | 43,190,000 |
| Total loans | 35,045,000 | 36,174,000 | 36,142,000 | 35,802,000 |
| Allowance for loan losses | 722,000 | 722,000 | 718,000 | 717,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,042,000 | 4,356,000 | 4,362,000 | 3,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,180,000 | 33,820,000 | 33,286,000 | 34,089,000 |
| Interest-bearing deposits | 28,399,000 | 29,485,000 | 28,942,000 | 29,251,000 |
| Noninterest-bearing deposits | 4,781,000 | 4,335,000 | 4,344,000 | 4,838,000 |
| Equity capital | 4,056,000 | 3,997,000 | 4,077,000 | 4,016,000 |
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 | 1,284,000 | 1,966,000 | 2,649,000 |
| Interest expense | 218,000 | 473,000 | 775,000 | 1,091,000 |
| Net interest income | 407,000 | 811,000 | 1,191,000 | 1,558,000 |
| Noninterest income | 31,000 | 73,000 | 125,000 | 171,000 |
| Noninterest expense | 255,000 | 510,000 | 762,000 | 1,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 183,000 | 374,000 | 554,000 | 718,000 |
| Income tax | 11,000 | 11,000 | 11,000 | 11,000 |
| Net income | 172,000 | 363,000 | 543,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,056,000 | 3,997,000 | 4,077,000 | 4,016,000 |
| Total capital | 4,359,000 | 4,309,000 | 4,405,000 | 4,342,000 |
| Risk-weighted assets | 23,829,000 | 24,550,000 | 25,875,000 | 25,655,000 |