Call reports 2006
BRIGHTON COMMERCE BANK — 2006
What BRIGHTON COMMERCE 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 | 107,487,000 | 104,950,000 | 106,144,000 | 103,912,000 |
| Total loans | 95,932,000 | 98,101,000 | 94,750,000 | 95,206,000 |
| Allowance for loan losses | 994,000 | 994,000 | 995,000 | 995,000 |
| Securities available for sale | 242,000 | 238,000 | 243,000 | 242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,192,000 | 90,633,000 | 92,324,000 | 90,107,000 |
| Interest-bearing deposits | 81,678,000 | 80,359,000 | 82,107,000 | 80,226,000 |
| Noninterest-bearing deposits | 10,514,000 | 10,274,000 | 10,217,000 | 9,881,000 |
| Equity capital | 9,360,000 | 9,456,000 | 9,419,000 | 9,371,000 |
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 | 1,819,000 | 3,672,000 | 5,631,000 | 7,578,000 |
| Interest expense | 755,000 | 1,570,000 | 2,480,000 | 3,418,000 |
| Net interest income | 1,064,000 | 2,102,000 | 3,151,000 | 4,160,000 |
| Noninterest income | 73,000 | 146,000 | 216,000 | 312,000 |
| Noninterest expense | 801,000 | 1,573,000 | 2,371,000 | 3,169,000 |
| Provision for loan losses | 15,000 | 15,000 | 14,000 | 13,000 |
| Pretax income | 321,000 | 660,000 | 982,000 | 1,290,000 |
| Income tax | 110,000 | 227,000 | 339,000 | 445,000 |
| Net income | 211,000 | 433,000 | 643,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,043,000 | 9,141,000 | 9,100,000 | 9,052,000 |
| Total capital | 10,037,000 | 10,135,000 | 10,095,000 | 10,047,000 |
| Risk-weighted assets | 99,958,000 | 101,236,000 | 97,802,000 | 98,605,000 |