Call reports 2006
CREDICARD NATIONAL BANK — 2006
What CREDICARD NATIONAL 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 | 10,309,000 | 9,319,000 | 11,265,000 | 14,499,000 |
| Total loans | 7,359,000 | 7,236,000 | 9,349,000 | 12,049,000 |
| Allowance for loan losses | 115,000 | 115,000 | 115,000 | 115,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,445,000 | 6,496,000 | 8,299,000 | 11,434,000 |
| Interest-bearing deposits | 7,127,000 | 6,196,000 | 7,685,000 | 11,038,000 |
| Noninterest-bearing deposits | 318,000 | 300,000 | 614,000 | 396,000 |
| Equity capital | 2,828,000 | 2,795,000 | 2,918,000 | 3,012,000 |
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 | 404,000 | 800,000 | 1,339,000 | 1,945,000 |
| Interest expense | 91,000 | 177,000 | 268,000 | 394,000 |
| Net interest income | 313,000 | 623,000 | 1,071,000 | 1,551,000 |
| Noninterest income | 8,000 | 11,000 | 17,000 | 23,000 |
| Noninterest expense | 309,000 | 641,000 | 959,000 | 1,320,000 |
| Provision for loan losses | 12,000 | 26,000 | 39,000 | 70,000 |
| Pretax income | 0 | -33,000 | 90,000 | 184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 0 | -33,000 | 90,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,828,000 | 2,795,000 | 2,918,000 | 3,012,000 |
| Total capital | 2,942,000 | 2,906,000 | 3,033,000 | 3,127,000 |
| Risk-weighted assets | 9,117,000 | 8,840,000 | 10,988,000 | 13,873,000 |