Call reports 2006
EXCEL BANK — 2006
What EXCEL 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 | 154,155,000 | 159,215,000 | 156,186,000 | 158,327,000 |
| Total loans | 85,875,000 | 89,633,000 | 90,835,000 | 91,826,000 |
| Allowance for loan losses | 1,066,000 | 1,113,000 | 1,143,000 | 1,322,000 |
| Securities available for sale | 58,948,000 | 56,804,000 | 56,632,000 | 54,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,780,000 | 111,792,000 | 109,795,000 | 113,994,000 |
| Interest-bearing deposits | 90,516,000 | 97,344,000 | 97,332,000 | 99,900,000 |
| Noninterest-bearing deposits | 12,264,000 | 14,448,000 | 12,463,000 | 14,094,000 |
| Equity capital | 10,983,000 | 10,390,000 | 11,327,000 | 11,698,000 |
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 | 2,263,000 | 4,665,000 | 7,100,000 | 9,580,000 |
| Interest expense | 1,227,000 | 2,544,000 | 3,928,000 | 5,359,000 |
| Net interest income | 1,036,000 | 2,121,000 | 3,172,000 | 4,221,000 |
| Noninterest income | 215,000 | 455,000 | 722,000 | 983,000 |
| Noninterest expense | 897,000 | 1,750,000 | 2,645,000 | 3,451,000 |
| Provision for loan losses | 48,000 | 95,000 | 142,000 | 322,000 |
| Pretax income | 306,000 | 731,000 | 1,107,000 | 1,431,000 |
| Income tax | 11,000 | 19,000 | 27,000 | 34,000 |
| Net income | 295,000 | 712,000 | 1,080,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,376,000 | 12,529,000 | 12,633,000 | 12,685,000 |
| Total capital | 13,442,000 | 13,642,000 | 13,776,000 | 13,937,000 |
| Risk-weighted assets | 94,853,000 | 99,330,000 | 98,862,000 | 100,197,000 |