Call reports 2006
BANK OF NEW CAMBRIA — 2006
What BANK OF NEW CAMBRIA 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 | 28,380,000 | 28,006,000 | 29,291,000 | 30,400,000 |
| Total loans | 16,845,000 | 17,276,000 | 17,708,000 | 18,006,000 |
| Allowance for loan losses | 168,000 | 181,000 | 179,000 | 179,000 |
| Securities available for sale | 7,463,000 | 7,401,000 | 7,742,000 | 7,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,348,000 | 24,949,000 | 26,104,000 | 27,277,000 |
| Interest-bearing deposits | 23,260,000 | 23,009,000 | 24,246,000 | 25,257,000 |
| Noninterest-bearing deposits | 2,088,000 | 1,940,000 | 1,858,000 | 2,020,000 |
| Equity capital | 2,915,000 | 2,935,000 | 3,014,000 | 2,972,000 |
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 | 382,000 | 789,000 | 1,221,000 | 1,680,000 |
| Interest expense | 136,000 | 285,000 | 458,000 | 652,000 |
| Net interest income | 246,000 | 504,000 | 763,000 | 1,028,000 |
| Noninterest income | 23,000 | 48,000 | 73,000 | 96,000 |
| Noninterest expense | 237,000 | 469,000 | 727,000 | 987,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 15,000 |
| Pretax income | 32,000 | 68,000 | 94,000 | 122,000 |
| Income tax | 2,000 | 5,000 | 3,000 | 5,000 |
| Net income | 30,000 | 63,000 | 91,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,974,000 | 3,008,000 | 3,036,000 | 2,987,000 |
| Total capital | 3,142,000 | 3,189,000 | 3,215,000 | 3,166,000 |
| Risk-weighted assets | 21,268,000 | 20,215,000 | 20,912,000 | 21,528,000 |