Call reports 2006
COPPER STAR BANK — 2006
What COPPER STAR 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 | 172,518,000 | 193,468,000 | 211,884,000 | 220,687,000 |
| Total loans | 149,485,000 | 169,117,000 | 179,936,000 | 189,342,000 |
| Allowance for loan losses | 1,742,000 | 1,902,000 | 1,907,000 | 2,042,000 |
| Securities available for sale | 12,049,000 | 14,381,000 | 20,469,000 | 20,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,805,000 | 164,083,000 | 173,317,000 | 186,839,000 |
| Interest-bearing deposits | 121,104,000 | 139,843,000 | 151,621,000 | 162,871,000 |
| Noninterest-bearing deposits | 21,701,000 | 24,240,000 | 21,696,000 | 23,968,000 |
| Equity capital | 16,397,000 | 20,564,000 | 20,969,000 | 21,245,000 |
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 | 3,309,000 | 7,271,000 | 11,516,000 | 16,053,000 |
| Interest expense | 1,137,000 | 2,530,000 | 4,234,000 | 6,292,000 |
| Net interest income | 2,172,000 | 4,741,000 | 7,282,000 | 9,761,000 |
| Noninterest income | 98,000 | 210,000 | 307,000 | 423,000 |
| Noninterest expense | 1,539,000 | 3,099,000 | 4,801,000 | 6,372,000 |
| Provision for loan losses | 98,000 | 265,000 | 319,000 | 937,000 |
| Pretax income | 633,000 | 1,587,000 | 2,469,000 | 2,875,000 |
| Income tax | 254,000 | 642,000 | 947,000 | 1,116,000 |
| Net income | 379,000 | 945,000 | 1,522,000 | 1,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,427,000 | 20,601,000 | 20,977,000 | 21,264,000 |
| Total capital | 18,213,000 | 22,554,000 | 22,939,000 | 23,363,000 |
| Risk-weighted assets | 150,705,000 | 177,816,000 | 189,528,000 | 196,106,000 |