Call reports 2006
BANK OF LUMBER CITY — 2006
What BANK OF LUMBER CITY 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 | 22,726,000 | 22,737,000 | 22,956,000 | 23,613,000 |
| Total loans | 15,364,000 | 13,966,000 | 14,524,000 | 14,314,000 |
| Allowance for loan losses | 290,000 | 292,000 | 298,000 | 296,000 |
| Securities available for sale | 4,399,000 | 4,374,000 | 4,408,000 | 4,118,000 |
| Securities held to maturity | 733,000 | 694,000 | 655,000 | 621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,867,000 | 18,839,000 | 18,952,000 | 19,567,000 |
| Interest-bearing deposits | 15,706,000 | 15,659,000 | 15,407,000 | 16,599,000 |
| Noninterest-bearing deposits | 3,161,000 | 3,180,000 | 3,545,000 | 2,968,000 |
| Equity capital | 3,737,000 | 3,730,000 | 3,827,000 | 3,905,000 |
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 | 389,000 | 797,000 | 1,196,000 | 1,604,000 |
| Interest expense | 124,000 | 261,000 | 403,000 | 554,000 |
| Net interest income | 265,000 | 536,000 | 793,000 | 1,050,000 |
| Noninterest income | 85,000 | 164,000 | 250,000 | 327,000 |
| Noninterest expense | 304,000 | 635,000 | 901,000 | 1,181,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 65,000 | 142,000 | 196,000 |
| Income tax | 12,000 | 24,000 | 28,000 | 15,000 |
| Net income | 34,000 | 41,000 | 114,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,760,000 | 3,767,000 | 3,840,000 | 3,908,000 |
| Total capital | 3,955,000 | 3,953,000 | 4,032,000 | 4,103,000 |
| Risk-weighted assets | 15,508,000 | 14,810,000 | 15,236,000 | 15,530,000 |