Call reports 2006
DISCOVERY BANK — 2006
What DISCOVERY 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 | 154,143,000 | 164,349,000 | 171,089,000 | 171,783,000 |
| Total loans | 123,903,000 | 132,879,000 | 136,861,000 | 140,728,000 |
| Allowance for loan losses | 1,614,000 | 1,730,000 | 1,782,000 | 2,741,000 |
| Securities available for sale | 3,335,000 | 3,277,000 | 3,010,000 | 3,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,369,000 | 135,425,000 | 135,549,000 | 132,708,000 |
| Interest-bearing deposits | 111,116,000 | 115,254,000 | 113,265,000 | 109,600,000 |
| Noninterest-bearing deposits | 23,252,000 | 20,171,000 | 22,284,000 | 23,108,000 |
| Equity capital | 14,040,000 | 14,501,000 | 14,903,000 | 14,768,000 |
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 | 2,790,000 | 5,990,000 | 9,373,000 | 12,894,000 |
| Interest expense | 1,004,000 | 2,259,000 | 3,642,000 | 5,056,000 |
| Net interest income | 1,786,000 | 3,731,000 | 5,731,000 | 7,838,000 |
| Noninterest income | 216,000 | 367,000 | 573,000 | 773,000 |
| Noninterest expense | 1,254,000 | 2,551,000 | 4,042,000 | 5,681,000 |
| Provision for loan losses | 84,000 | 200,000 | 313,000 | 1,272,000 |
| Pretax income | 664,000 | 1,347,000 | 1,949,000 | 1,658,000 |
| Income tax | 292,000 | 579,000 | 838,000 | 727,000 |
| Net income | 372,000 | 768,000 | 1,111,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,087,000 | 14,555,000 | 14,936,000 | 14,797,000 |
| Total capital | 15,740,000 | 16,329,000 | 16,762,000 | 16,799,000 |
| Risk-weighted assets | 141,206,000 | 152,937,000 | 155,243,000 | 159,341,000 |