Call reports 2006
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2006
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 194,794,000 | 188,826,000 | 191,206,000 | 187,883,000 |
| Total loans | 101,488,000 | 100,002,000 | 97,607,000 | 98,248,000 |
| Allowance for loan losses | 1,266,000 | 1,321,000 | 1,319,000 | 1,299,000 |
| Securities available for sale | 76,433,000 | 73,641,000 | 70,815,000 | 70,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,219,000 | 158,974,000 | 161,171,000 | 160,355,000 |
| Interest-bearing deposits | 138,275,000 | 135,809,000 | 139,452,000 | 132,889,000 |
| Noninterest-bearing deposits | 22,944,000 | 23,165,000 | 21,719,000 | 27,466,000 |
| Equity capital | 17,419,000 | 17,157,000 | 17,958,000 | 18,041,000 |
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 | 2,534,000 | 5,190,000 | 7,908,000 | 10,556,000 |
| Interest expense | 1,112,000 | 2,282,000 | 3,496,000 | 4,696,000 |
| Net interest income | 1,422,000 | 2,908,000 | 4,412,000 | 5,860,000 |
| Noninterest income | 273,000 | 557,000 | 876,000 | 1,173,000 |
| Noninterest expense | 1,254,000 | 2,551,000 | 3,786,000 | 4,926,000 |
| Provision for loan losses | 48,000 | 96,000 | 148,000 | 195,000 |
| Pretax income | 401,000 | 826,000 | 1,346,000 | 2,039,000 |
| Income tax | 64,000 | 133,000 | 253,000 | 452,000 |
| Net income | 337,000 | 693,000 | 1,093,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,294,000 | 17,424,000 | 17,834,000 | 17,748,000 |
| Total capital | 18,676,000 | 18,830,000 | 19,228,000 | 19,047,000 |
| Risk-weighted assets | 126,435,000 | 121,729,000 | 121,457,000 | 117,856,000 |