Call reports 2006
COMMUNITY BUSINESS BANK — 2006
What COMMUNITY BUSINESS 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 | 46,404,000 | 53,511,000 | 70,544,000 | 90,938,000 |
| Total loans | 22,582,000 | 38,907,000 | 51,801,000 | 74,610,000 |
| Allowance for loan losses | 220,000 | 368,000 | 718,000 | 933,000 |
| Securities available for sale | 8,938,000 | 8,809,000 | 8,752,000 | 8,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,160,000 | 33,805,000 | 48,045,000 | 64,566,000 |
| Interest-bearing deposits | 24,367,000 | 28,833,000 | 42,111,000 | 56,278,000 |
| Noninterest-bearing deposits | 1,793,000 | 4,972,000 | 5,934,000 | 8,288,000 |
| Equity capital | 20,122,000 | 19,635,000 | 19,046,000 | 18,706,000 |
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 | 523,000 | 1,300,000 | 2,499,000 | 3,991,000 |
| Interest expense | 159,000 | 398,000 | 883,000 | 1,472,000 |
| Net interest income | 364,000 | 902,000 | 1,616,000 | 2,519,000 |
| Noninterest income | 2,000 | 19,000 | 29,000 | 56,000 |
| Noninterest expense | 810,000 | 1,659,000 | 2,683,000 | 3,692,000 |
| Provision for loan losses | 170,000 | 318,000 | 668,000 | 950,000 |
| Pretax income | -614,000 | -1,056,000 | -1,706,000 | -2,067,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -615,000 | -1,057,000 | -1,707,000 | -2,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,147,000 | 19,705,000 | 19,069,000 | 18,720,000 |
| Total capital | 20,367,000 | 20,073,000 | 19,787,000 | 19,720,000 |
| Risk-weighted assets | 32,117,000 | 53,146,000 | 69,164,000 | 88,656,000 |