Call reports 2006
CMS BANK — 2006
What CMS 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 | 118,076,000 | 119,588,000 | 121,270,000 | 124,572,000 |
| Total loans | 85,846,000 | 90,510,000 | 96,954,000 | 100,324,000 |
| Allowance for loan losses | 217,000 | 217,000 | 216,000 | 215,000 |
| Securities available for sale | 4,987,000 | 4,719,000 | 4,436,000 | 5,542,000 |
| Securities held to maturity | 19,023,000 | 17,716,000 | 15,211,000 | 12,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,176,000 | 110,454,000 | 107,767,000 | 110,651,000 |
| Interest-bearing deposits | 98,343,000 | 98,383,000 | 95,924,000 | 98,506,000 |
| Noninterest-bearing deposits | 10,833,000 | 12,071,000 | 11,843,000 | 12,145,000 |
| Equity capital | 8,115,000 | 8,110,000 | 8,307,000 | 8,297,000 |
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 | 1,400,000 | 2,852,000 | 4,371,000 | 5,973,000 |
| Interest expense | 400,000 | 862,000 | 1,371,000 | 2,019,000 |
| Net interest income | 1,000,000 | 1,990,000 | 3,000,000 | 3,954,000 |
| Noninterest income | 75,000 | 146,000 | 221,000 | 296,000 |
| Noninterest expense | 1,111,000 | 2,167,000 | 3,288,000 | 4,334,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -36,000 | -31,000 | 42,000 | 25,000 |
| Income tax | -16,000 | -14,000 | 20,000 | 16,000 |
| Net income | -20,000 | -17,000 | 22,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,365,000 | 8,369,000 | 8,347,000 | 8,241,000 |
| Total capital | 8,630,000 | 8,632,000 | 8,563,000 | 8,456,000 |
| Risk-weighted assets | 54,404,000 | 57,053,000 | 60,720,000 | 68,701,000 |