Call reports 2006
BANK OF ELMWOOD — 2006
What BANK OF ELMWOOD 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 | 300,589,000 | 314,653,000 | 333,639,000 | 339,528,000 |
| Total loans | 256,658,000 | 269,106,000 | 279,970,000 | 283,096,000 |
| Allowance for loan losses | 3,333,000 | 3,490,000 | 3,628,000 | 3,682,000 |
| Securities available for sale | 28,906,000 | 28,082,000 | 27,330,000 | 26,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,767,000 | 216,326,000 | 233,015,000 | 253,095,000 |
| Interest-bearing deposits | 184,778,000 | 187,961,000 | 201,544,000 | 221,611,000 |
| Noninterest-bearing deposits | 28,990,000 | 28,365,000 | 31,471,000 | 31,484,000 |
| Equity capital | 21,147,000 | 21,167,000 | 21,890,000 | 23,691,000 |
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 | 4,830,000 | 10,028,000 | 15,609,000 | 21,447,000 |
| Interest expense | 1,748,000 | 3,712,000 | 6,063,000 | 8,618,000 |
| Net interest income | 3,082,000 | 6,316,000 | 9,546,000 | 12,829,000 |
| Noninterest income | 497,000 | 994,000 | 1,460,000 | 1,990,000 |
| Noninterest expense | 2,736,000 | 5,440,000 | 8,245,000 | 11,157,000 |
| Provision for loan losses | 204,000 | 403,000 | 594,000 | 709,000 |
| Pretax income | 639,000 | 1,467,000 | 2,167,000 | 2,955,000 |
| Income tax | 4,000 | 6,000 | 7,000 | 9,000 |
| Net income | 635,000 | 1,461,000 | 2,160,000 | 2,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,622,000 | 21,828,000 | 22,175,000 | 23,863,000 |
| Total capital | 24,428,000 | 24,716,000 | 25,159,000 | 26,867,000 |
| Risk-weighted assets | 223,975,000 | 230,421,000 | 239,255,000 | 240,868,000 |