Call reports 2006
BANK OF ELK RIVER, THE — 2006
What BANK OF ELK RIVER, 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 | 352,520,000 | 367,793,000 | 385,345,000 | 397,145,000 |
| Total loans | 280,913,000 | 295,552,000 | 308,688,000 | 318,953,000 |
| Allowance for loan losses | 3,112,000 | 3,269,000 | 3,384,000 | 3,457,000 |
| Securities available for sale | 51,649,000 | 51,550,000 | 52,405,000 | 53,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,761,000 | 321,974,000 | 344,967,000 | 354,735,000 |
| Interest-bearing deposits | 273,815,000 | 272,266,000 | 295,708,000 | 306,232,000 |
| Noninterest-bearing deposits | 48,946,000 | 49,708,000 | 49,260,000 | 48,503,000 |
| Equity capital | 26,578,000 | 27,053,000 | 29,310,000 | 30,767,000 |
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 | 5,401,000 | 11,265,000 | 17,545,000 | 24,179,000 |
| Interest expense | 2,250,000 | 4,799,000 | 7,835,000 | 11,134,000 |
| Net interest income | 3,151,000 | 6,466,000 | 9,710,000 | 13,045,000 |
| Noninterest income | 687,000 | 1,471,000 | 2,311,000 | 3,347,000 |
| Noninterest expense | 2,801,000 | 5,365,000 | 8,042,000 | 10,948,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 606,000 |
| Pretax income | 872,000 | 2,242,000 | 3,484,000 | 4,837,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 871,000 | 2,239,000 | 3,480,000 | 4,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,220,000 | 28,584,000 | 29,583,000 | 31,178,000 |
| Total capital | 30,332,000 | 31,853,000 | 32,967,000 | 34,635,000 |
| Risk-weighted assets | 292,934,000 | 306,029,000 | 320,039,000 | 330,305,000 |