Call reports 2006
TRADERS BANK — 2006
What TRADERS 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 | 113,890,000 | 110,302,000 | 110,378,000 | 112,566,000 |
| Total loans | 78,471,000 | 75,295,000 | 75,654,000 | 69,199,000 |
| Allowance for loan losses | 1,616,000 | 1,893,000 | 1,865,000 | 1,687,000 |
| Securities available for sale | 7,827,000 | 13,162,000 | 16,070,000 | 21,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,938,000 | 99,443,000 | 98,972,000 | 101,203,000 |
| Interest-bearing deposits | 79,179,000 | 76,012,000 | 75,724,000 | 76,246,000 |
| Noninterest-bearing deposits | 23,759,000 | 23,431,000 | 23,248,000 | 24,957,000 |
| Equity capital | 10,594,000 | 10,439,000 | 11,045,000 | 10,995,000 |
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 | 1,700,000 | 3,418,000 | 5,190,000 | 6,989,000 |
| Interest expense | 498,000 | 1,052,000 | 1,658,000 | 2,286,000 |
| Net interest income | 1,202,000 | 2,366,000 | 3,532,000 | 4,703,000 |
| Noninterest income | 319,000 | 655,000 | 973,000 | 1,291,000 |
| Noninterest expense | 908,000 | 1,918,000 | 2,938,000 | 4,044,000 |
| Provision for loan losses | 90,000 | 580,000 | 620,000 | 635,000 |
| Pretax income | 523,000 | 524,000 | 948,000 | 1,319,000 |
| Income tax | 15,000 | 34,000 | 49,000 | 108,000 |
| Net income | 508,000 | 490,000 | 899,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,667,000 | 10,649,000 | 11,058,000 | 11,010,000 |
| Total capital | 11,615,000 | 11,563,000 | 11,985,000 | 11,826,000 |
| Risk-weighted assets | 75,175,000 | 72,194,000 | 73,239,000 | 68,753,000 |