Call reports 2006
BELL BANK — 2006
What BELL 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 | 1,490,466,000 | 1,557,559,000 | 1,584,567,000 | 1,626,791,000 |
| Total loans | 1,332,769,000 | 1,416,481,000 | 1,438,111,000 | 1,456,423,000 |
| Allowance for loan losses | 14,034,000 | 14,551,000 | 15,016,000 | 17,919,000 |
| Securities available for sale | 77,001,000 | 75,139,000 | 81,158,000 | 90,210,000 |
| Securities held to maturity | 2,757,000 | 2,540,000 | 2,523,000 | 2,118,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,229,334,000 | 1,268,310,000 | 1,306,053,000 | 1,335,167,000 |
| Interest-bearing deposits | 1,153,583,000 | 1,192,676,000 | 1,240,900,000 | 1,138,397,000 |
| Noninterest-bearing deposits | 75,751,000 | 75,634,000 | 65,153,000 | 196,770,000 |
| Equity capital | 127,390,000 | 139,449,000 | 144,115,000 | 146,247,000 |
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 | 22,546,000 | 47,196,000 | 73,911,000 | 101,199,000 |
| Interest expense | 10,172,000 | 21,714,000 | 34,968,000 | 48,790,000 |
| Net interest income | 12,374,000 | 25,482,000 | 38,943,000 | 52,409,000 |
| Noninterest income | 2,967,000 | 6,306,000 | 9,568,000 | 12,742,000 |
| Noninterest expense | 9,416,000 | 19,177,000 | 28,999,000 | 39,452,000 |
| Provision for loan losses | 283,000 | 783,000 | 1,383,000 | 4,283,000 |
| Pretax income | 5,642,000 | 11,831,000 | 18,131,000 | 21,419,000 |
| Income tax | 2,158,000 | 4,512,000 | 6,928,000 | 8,147,000 |
| Net income | 3,484,000 | 7,319,000 | 11,203,000 | 13,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,343,000 | 140,753,000 | 144,639,000 | 146,707,000 |
| Total capital | 142,377,000 | 155,304,000 | 159,655,000 | 164,626,000 |
| Risk-weighted assets | 1,402,297,000 | 1,487,919,000 | 1,512,866,000 | 1,562,880,000 |