Call reports 2006
NCW COMMUNITY BANK — 2006
What NCW COMMUNITY 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 | 79,525,000 | 82,375,000 | 84,927,000 | 95,709,000 |
| Total loans | 65,691,000 | 69,795,000 | 75,603,000 | 77,963,000 |
| Allowance for loan losses | 1,019,000 | 1,063,000 | 1,121,000 | 1,164,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,700,000 | 2,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,557,000 | 74,171,000 | 75,778,000 | 86,649,000 |
| Interest-bearing deposits | 63,631,000 | 66,327,000 | 66,995,000 | 78,052,000 |
| Noninterest-bearing deposits | 7,926,000 | 7,844,000 | 8,783,000 | 8,597,000 |
| Equity capital | 7,584,000 | 7,806,000 | 8,302,000 | 8,536,000 |
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 | 1,347,000 | 2,835,000 | 4,448,000 | 6,175,000 |
| Interest expense | 435,000 | 924,000 | 1,490,000 | 2,167,000 |
| Net interest income | 912,000 | 1,911,000 | 2,958,000 | 4,008,000 |
| Noninterest income | 27,000 | 61,000 | 105,000 | 147,000 |
| Noninterest expense | 596,000 | 1,259,000 | 1,947,000 | 2,668,000 |
| Provision for loan losses | 14,000 | 58,000 | 116,000 | 159,000 |
| Pretax income | 329,000 | 655,000 | 1,000,000 | 1,328,000 |
| Income tax | 118,000 | 239,000 | 351,000 | 457,000 |
| Net income | 211,000 | 416,000 | 649,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,584,000 | 7,806,000 | 8,302,000 | 8,536,000 |
| Total capital | 8,455,000 | 8,730,000 | 9,297,000 | 9,604,000 |
| Risk-weighted assets | 69,528,000 | 73,773,000 | 79,898,000 | 85,366,000 |