Call reports 2006
PEDESTAL BANK — 2006
What PEDESTAL 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 | 183,899,000 | 210,679,000 | 205,632,000 | 210,591,000 |
| Total loans | 122,739,000 | 130,199,000 | 135,610,000 | 143,816,000 |
| Allowance for loan losses | 1,704,000 | 1,848,000 | 1,928,000 | 2,029,000 |
| Securities available for sale | 40,398,000 | 43,104,000 | 44,296,000 | 44,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,401,000 | 180,671,000 | 174,735,000 | 181,347,000 |
| Interest-bearing deposits | 120,856,000 | 141,012,000 | 134,053,000 | 139,788,000 |
| Noninterest-bearing deposits | 36,545,000 | 39,659,000 | 40,682,000 | 41,559,000 |
| Equity capital | 12,897,000 | 14,806,000 | 15,463,000 | 15,658,000 |
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 | 2,720,000 | 5,865,000 | 9,334,000 | 12,899,000 |
| Interest expense | 904,000 | 2,082,000 | 3,484,000 | 4,936,000 |
| Net interest income | 1,816,000 | 3,783,000 | 5,850,000 | 7,963,000 |
| Noninterest income | 282,000 | 612,000 | 948,000 | 1,317,000 |
| Noninterest expense | 1,383,000 | 2,918,000 | 4,611,000 | 6,313,000 |
| Provision for loan losses | 105,000 | 250,000 | 370,000 | 470,000 |
| Pretax income | 610,000 | 1,227,000 | 1,817,000 | 2,497,000 |
| Income tax | 207,000 | 416,000 | 615,000 | 818,000 |
| Net income | 403,000 | 811,000 | 1,202,000 | 1,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,135,000 | 15,186,000 | 15,467,000 | 15,670,000 |
| Total capital | 14,839,000 | 17,034,000 | 17,395,000 | 17,699,000 |
| Risk-weighted assets | 139,728,000 | 157,142,000 | 160,793,000 | 169,345,000 |