Call reports 2006
BANK OF CHOICE — 2006
What BANK OF CHOICE 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 | 411,277,000 | 430,249,000 | 419,302,000 | 445,380,000 |
| Total loans | 338,302,000 | 348,489,000 | 354,409,000 | 370,835,000 |
| Allowance for loan losses | 3,685,000 | 4,007,000 | 4,265,000 | 3,770,000 |
| Securities available for sale | 9,319,000 | 11,165,000 | 11,364,000 | 10,401,000 |
| Securities held to maturity | 12,657,000 | 13,628,000 | 13,834,000 | 15,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,537,000 | 350,265,000 | 339,338,000 | 344,122,000 |
| Interest-bearing deposits | 296,857,000 | 314,734,000 | 307,199,000 | 313,309,000 |
| Noninterest-bearing deposits | 35,680,000 | 35,531,000 | 32,139,000 | 30,813,000 |
| Equity capital | 34,789,000 | 35,184,000 | 35,750,000 | 37,630,000 |
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 | 6,930,000 | 14,178,000 | 21,804,000 | 29,593,000 |
| Interest expense | 3,116,000 | 6,635,000 | 10,548,000 | 14,707,000 |
| Net interest income | 3,814,000 | 7,543,000 | 11,256,000 | 14,886,000 |
| Noninterest income | 467,000 | 1,019,000 | 1,563,000 | 1,977,000 |
| Noninterest expense | 2,574,000 | 5,444,000 | 8,508,000 | 11,731,000 |
| Provision for loan losses | 324,000 | 637,000 | 937,000 | 1,187,000 |
| Pretax income | 1,383,000 | 2,481,000 | 3,374,000 | 3,945,000 |
| Income tax | 453,000 | 819,000 | 1,088,000 | 1,242,000 |
| Net income | 930,000 | 1,662,000 | 2,286,000 | 2,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,877,000 | 35,323,000 | 35,786,000 | 37,651,000 |
| Total capital | 38,562,000 | 39,331,000 | 40,051,000 | 41,421,000 |
| Risk-weighted assets | 368,726,000 | 384,998,000 | 393,987,000 | 413,691,000 |