Call reports 2006
COMMUNITY NEIGHBOR BANK — 2006
What COMMUNITY NEIGHBOR 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 | 106,851,000 | 107,252,000 | 110,737,000 | 112,010,000 |
| Total loans | 78,362,000 | 80,594,000 | 81,650,000 | 81,936,000 |
| Allowance for loan losses | 1,028,000 | 1,125,000 | 1,124,000 | 1,225,000 |
| Securities available for sale | 12,123,000 | 10,841,000 | 10,481,000 | 12,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,908,000 | 89,945,000 | 93,028,000 | 95,107,000 |
| Interest-bearing deposits | 73,180,000 | 74,825,000 | 76,351,000 | 77,778,000 |
| Noninterest-bearing deposits | 16,728,000 | 15,120,000 | 16,677,000 | 17,329,000 |
| Equity capital | 10,246,000 | 10,500,000 | 10,912,000 | 10,797,000 |
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 | 1,795,000 | 3,711,000 | 5,765,000 | 7,867,000 |
| Interest expense | 615,000 | 1,295,000 | 2,066,000 | 2,907,000 |
| Net interest income | 1,180,000 | 2,416,000 | 3,699,000 | 4,960,000 |
| Noninterest income | 195,000 | 425,000 | 657,000 | 849,000 |
| Noninterest expense | 723,000 | 1,464,000 | 2,329,000 | 3,265,000 |
| Provision for loan losses | 57,000 | 260,000 | 380,000 | 558,000 |
| Pretax income | 595,000 | 1,117,000 | 1,647,000 | 1,986,000 |
| Income tax | 210,000 | 423,000 | 633,000 | 688,000 |
| Net income | 385,000 | 694,000 | 1,014,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,303,000 | 10,613,000 | 10,933,000 | 10,816,000 |
| Total capital | 11,294,000 | 11,625,000 | 11,967,000 | 11,852,000 |
| Risk-weighted assets | 79,276,000 | 80,847,000 | 82,667,000 | 82,655,000 |