Call reports 2006
DEDICATED COMMUNITY BANK — 2006
What DEDICATED COMMUNITY 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 | 39,346,000 | 37,607,000 | 40,081,000 | 42,962,000 |
| Total loans | 21,646,000 | 21,659,000 | 22,253,000 | 22,947,000 |
| Allowance for loan losses | 224,000 | 237,000 | 239,000 | 239,000 |
| Securities available for sale | 11,687,000 | 10,836,000 | 10,672,000 | 10,455,000 |
| Securities held to maturity | 508,000 | 508,000 | 507,000 | 1,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,998,000 | 32,146,000 | 34,402,000 | 37,096,000 |
| Interest-bearing deposits | 27,039,000 | 25,438,000 | 26,327,000 | 28,657,000 |
| Noninterest-bearing deposits | 6,959,000 | 6,708,000 | 8,075,000 | 8,439,000 |
| Equity capital | 3,974,000 | 4,056,000 | 4,251,000 | 4,422,000 |
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 | 569,000 | 1,157,000 | 1,772,000 | 2,428,000 |
| Interest expense | 142,000 | 292,000 | 461,000 | 638,000 |
| Net interest income | 427,000 | 865,000 | 1,311,000 | 1,790,000 |
| Noninterest income | 73,000 | 154,000 | 247,000 | 324,000 |
| Noninterest expense | 323,000 | 654,000 | 986,000 | 1,357,000 |
| Provision for loan losses | 18,000 | 32,000 | 44,000 | 57,000 |
| Pretax income | 146,000 | 320,000 | 477,000 | 648,000 |
| Income tax | 50,000 | 110,000 | 162,000 | 218,000 |
| Net income | 96,000 | 210,000 | 315,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,172,000 | 4,286,000 | 4,391,000 | 4,507,000 |
| Total capital | 4,396,000 | 4,523,000 | 4,630,000 | 4,746,000 |
| Risk-weighted assets | 25,273,000 | 25,019,000 | 25,778,000 | 26,966,000 |