Call reports 2006
TOWN BANK, THE — 2006
What TOWN BANK, THE 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 | 181,012,000 | 200,505,000 | 205,082,000 | 206,014,000 |
| Total loans | 139,655,000 | 147,481,000 | 161,381,000 | 164,526,000 |
| Allowance for loan losses | 1,537,000 | 1,648,000 | 1,775,000 | 1,847,000 |
| Securities available for sale | 13,872,000 | 13,766,000 | 11,935,000 | 8,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,676,000 | 157,956,000 | 156,302,000 | 162,304,000 |
| Interest-bearing deposits | 137,940,000 | 137,535,000 | 136,735,000 | 146,453,000 |
| Noninterest-bearing deposits | 21,736,000 | 20,421,000 | 19,567,000 | 15,851,000 |
| Equity capital | 16,271,000 | 41,354,000 | 41,994,000 | 42,799,000 |
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 | 2,888,000 | 6,191,000 | 9,719,000 | 13,454,000 |
| Interest expense | 1,356,000 | 2,747,000 | 4,280,000 | 5,939,000 |
| Net interest income | 1,532,000 | 3,444,000 | 5,439,000 | 7,515,000 |
| Noninterest income | 37,000 | 86,000 | 130,000 | 218,000 |
| Noninterest expense | 1,139,000 | 2,081,000 | 3,081,000 | 4,125,000 |
| Provision for loan losses | 19,000 | 130,000 | 265,000 | 328,000 |
| Pretax income | 411,000 | 1,319,000 | 2,223,000 | 3,280,000 |
| Income tax | 265,000 | 619,000 | 976,000 | 1,399,000 |
| Net income | 146,000 | 700,000 | 1,247,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,302,000 | 14,909,000 | 15,551,000 | 16,215,000 |
| Total capital | 17,839,000 | 16,557,000 | 17,326,000 | 18,062,000 |
| Risk-weighted assets | 146,663,000 | 147,365,000 | 159,492,000 | 159,938,000 |