Call reports 2006
BLUFF VIEW BANK — 2006
What BLUFF VIEW 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 | 73,941,000 | 76,124,000 | 80,133,000 | 83,213,000 |
| Total loans | 60,810,000 | 62,978,000 | 67,179,000 | 65,553,000 |
| Allowance for loan losses | 764,000 | 775,000 | 785,000 | 752,000 |
| Securities available for sale | 8,629,000 | 8,680,000 | 9,174,000 | 9,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,537,000 | 63,498,000 | 63,706,000 | 69,632,000 |
| Interest-bearing deposits | 50,164,000 | 53,755,000 | 55,282,000 | 60,413,000 |
| Noninterest-bearing deposits | 8,373,000 | 9,743,000 | 8,424,000 | 9,219,000 |
| Equity capital | 7,224,000 | 7,000,000 | 7,270,000 | 7,620,000 |
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 | 1,204,000 | 2,427,000 | 3,736,000 | 5,168,000 |
| Interest expense | 480,000 | 1,023,000 | 1,640,000 | 2,324,000 |
| Net interest income | 724,000 | 1,404,000 | 2,096,000 | 2,844,000 |
| Noninterest income | 161,000 | 377,000 | 586,000 | 791,000 |
| Noninterest expense | 585,000 | 1,181,000 | 1,798,000 | 2,354,000 |
| Provision for loan losses | 20,000 | 39,000 | 115,000 | 134,000 |
| Pretax income | 289,000 | 570,000 | 778,000 | 1,156,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 288,000 | 568,000 | 775,000 | 1,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,275,000 | 7,125,000 | 7,203,000 | 7,581,000 |
| Total capital | 8,004,000 | 7,882,000 | 7,988,000 | 8,333,000 |
| Risk-weighted assets | 58,292,000 | 72,328,000 | 76,972,000 | 76,752,000 |