Call reports 2006
METCALF BANK — 2006
What METCALF 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 | 265,816,000 | 267,876,000 | 263,038,000 | 266,159,000 |
| Total loans | 181,078,000 | 179,131,000 | 188,149,000 | 193,360,000 |
| Allowance for loan losses | 1,840,000 | 1,937,000 | 2,000,000 | 2,198,000 |
| Securities available for sale | 64,486,000 | 62,161,000 | 56,675,000 | 51,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,818,000 | 231,324,000 | 223,971,000 | 226,153,000 |
| Interest-bearing deposits | 161,896,000 | 159,698,000 | 163,289,000 | 162,345,000 |
| Noninterest-bearing deposits | 66,922,000 | 71,626,000 | 60,682,000 | 63,808,000 |
| Equity capital | 21,160,000 | 21,412,000 | 22,318,000 | 23,503,000 |
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 | 3,553,000 | 7,201,000 | 11,122,000 | 15,193,000 |
| Interest expense | 1,072,000 | 2,143,000 | 3,368,000 | 4,643,000 |
| Net interest income | 2,481,000 | 5,058,000 | 7,754,000 | 10,550,000 |
| Noninterest income | 791,000 | 1,684,000 | 2,610,000 | 3,556,000 |
| Noninterest expense | 2,628,000 | 5,218,000 | 8,000,000 | 10,669,000 |
| Provision for loan losses | 7,000 | 124,000 | 235,000 | 468,000 |
| Pretax income | 637,000 | 1,400,000 | 2,129,000 | 2,969,000 |
| Income tax | 21,000 | 48,000 | 73,000 | 104,000 |
| Net income | 616,000 | 1,352,000 | 2,056,000 | 2,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,310,000 | 22,668,000 | 23,010,000 | 23,969,000 |
| Total capital | 24,489,000 | 24,867,000 | 25,347,000 | 26,473,000 |
| Risk-weighted assets | 213,339,000 | 208,385,000 | 221,001,000 | 224,794,000 |