Call reports 2006
NATIONAL GRAND BANK OF MARBLEHEAD — 2006
What NATIONAL GRAND BANK OF MARBLEHEAD 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 | 217,809,000 | 220,849,000 | 220,757,000 | 224,437,000 |
| Total loans | 156,547,000 | 161,385,000 | 161,851,000 | 162,872,000 |
| Allowance for loan losses | 1,757,000 | 1,764,000 | 1,745,000 | 1,675,000 |
| Securities available for sale | 42,904,000 | 41,933,000 | 41,736,000 | 41,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,749,000 | 188,396,000 | 186,979,000 | 194,212,000 |
| Interest-bearing deposits | 156,419,000 | 149,017,000 | 148,716,000 | 152,148,000 |
| Noninterest-bearing deposits | 39,330,000 | 39,379,000 | 38,263,000 | 42,064,000 |
| Equity capital | 20,368,000 | 20,365,000 | 20,887,000 | 21,004,000 |
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 | 2,881,000 | 5,855,000 | 8,887,000 | 11,970,000 |
| Interest expense | 860,000 | 1,807,000 | 2,934,000 | 4,120,000 |
| Net interest income | 2,021,000 | 4,048,000 | 5,953,000 | 7,850,000 |
| Noninterest income | 504,000 | 1,030,000 | 1,561,000 | 2,121,000 |
| Noninterest expense | 1,464,000 | 2,846,000 | 4,276,000 | 5,682,000 |
| Provision for loan losses | 0 | 100,000 | 101,000 | 100,000 |
| Pretax income | 1,061,000 | 2,132,000 | 3,137,000 | 4,189,000 |
| Income tax | 389,000 | 776,000 | 1,174,000 | 1,534,000 |
| Net income | 672,000 | 1,356,000 | 1,963,000 | 2,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,826,000 | 20,890,000 | 21,076,000 | 21,154,000 |
| Total capital | 22,418,000 | 22,496,000 | 22,671,000 | 22,798,000 |
| Risk-weighted assets | 127,176,000 | 128,289,000 | 127,419,000 | 131,432,000 |