Call reports 2006
DRUMMOND COMMUNITY BANK — 2006
What DRUMMOND 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 | 157,994,000 | 157,032,000 | 161,766,000 | 162,438,000 |
| Total loans | 90,646,000 | 92,727,000 | 95,907,000 | 96,679,000 |
| Allowance for loan losses | 1,456,000 | 1,539,000 | 1,548,000 | 1,528,000 |
| Securities available for sale | 50,280,000 | 49,445,000 | 50,431,000 | 50,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,736,000 | 110,858,000 | 101,216,000 | 102,359,000 |
| Interest-bearing deposits | 73,479,000 | 70,196,000 | 65,878,000 | 67,968,000 |
| Noninterest-bearing deposits | 42,257,000 | 40,661,000 | 35,337,000 | 34,391,000 |
| Equity capital | 19,492,000 | 19,381,000 | 21,003,000 | 22,355,000 |
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 | 2,732,000 | 5,664,000 | 8,669,000 | 11,746,000 |
| Interest expense | 525,000 | 1,138,000 | 1,916,000 | 2,827,000 |
| Net interest income | 2,207,000 | 4,526,000 | 6,753,000 | 8,919,000 |
| Noninterest income | 347,000 | 749,000 | 1,111,000 | 1,524,000 |
| Noninterest expense | 1,315,000 | 2,609,000 | 4,055,000 | 5,413,000 |
| Provision for loan losses | 31,000 | 61,000 | 71,000 | 71,000 |
| Pretax income | 1,208,000 | 2,605,000 | 3,738,000 | 4,959,000 |
| Income tax | 3,000 | 11,000 | 15,000 | 20,000 |
| Net income | 1,205,000 | 2,594,000 | 3,723,000 | 4,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,817,000 | 20,530,000 | 21,156,000 | 22,324,000 |
| Total capital | 20,928,000 | 21,663,000 | 22,334,000 | 23,526,000 |
| Risk-weighted assets | 88,516,000 | 90,217,000 | 93,693,000 | 95,827,000 |