Call reports 2006
XENITH BANK — 2006
What XENITH 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 | 108,231,000 | 112,109,000 | 121,833,000 | 126,429,000 |
| Total loans | 65,691,000 | 67,889,000 | 72,855,000 | 75,280,000 |
| Allowance for loan losses | 692,000 | 751,000 | 801,000 | 827,000 |
| Securities available for sale | 38,405,000 | 38,707,000 | 41,689,000 | 43,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,706,000 | 90,668,000 | 89,713,000 | 94,527,000 |
| Interest-bearing deposits | 79,263,000 | 78,028,000 | 76,333,000 | 79,340,000 |
| Noninterest-bearing deposits | 12,443,000 | 12,640,000 | 13,380,000 | 15,187,000 |
| Equity capital | 14,911,000 | 15,260,000 | 15,581,000 | 15,813,000 |
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 | 1,508,000 | 3,162,000 | 4,869,000 | 6,700,000 |
| Interest expense | 678,000 | 1,406,000 | 2,175,000 | 3,072,000 |
| Net interest income | 830,000 | 1,756,000 | 2,694,000 | 3,628,000 |
| Noninterest income | 113,000 | 209,000 | 341,000 | 470,000 |
| Noninterest expense | 730,000 | 1,538,000 | 2,287,000 | 3,012,000 |
| Provision for loan losses | 80,000 | 143,000 | 194,000 | 219,000 |
| Pretax income | 133,000 | 284,000 | 554,000 | 867,000 |
| Income tax | 0 | -327,000 | -218,000 | -6,000 |
| Net income | 133,000 | 611,000 | 772,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,251,000 | 15,729,000 | 15,890,000 | 15,990,000 |
| Total capital | 15,943,000 | 16,480,000 | 16,691,000 | 16,817,000 |
| Risk-weighted assets | 66,665,000 | 72,972,000 | 76,417,000 | 80,053,000 |