Call reports 2006
PORT CITY CAPITAL BANK — 2006
What PORT CITY CAPITAL 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 | 163,511,000 | 169,924,000 | 191,210,000 | 189,737,000 |
| Total loans | 127,050,000 | 130,231,000 | 131,276,000 | 139,812,000 |
| Allowance for loan losses | 1,637,000 | 1,687,000 | 1,688,000 | 1,785,000 |
| Securities available for sale | 16,048,000 | 15,189,000 | 16,345,000 | 15,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,625,000 | 155,742,000 | 149,855,000 | 146,264,000 |
| Interest-bearing deposits | 134,402,000 | 136,650,000 | 133,684,000 | 134,410,000 |
| Noninterest-bearing deposits | 15,223,000 | 19,092,000 | 16,171,000 | 11,854,000 |
| Equity capital | 13,214,000 | 13,736,000 | 40,412,000 | 41,968,000 |
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 | 2,661,000 | 5,677,000 | 8,865,000 | 12,220,000 |
| Interest expense | 1,107,000 | 2,364,000 | 3,796,000 | 5,419,000 |
| Net interest income | 1,554,000 | 3,313,000 | 5,069,000 | 6,801,000 |
| Noninterest income | 23,000 | 50,000 | 77,000 | 107,000 |
| Noninterest expense | 555,000 | 1,306,000 | 3,923,000 | 4,665,000 |
| Provision for loan losses | 99,000 | 149,000 | 150,000 | 247,000 |
| Pretax income | 923,000 | 1,908,000 | 1,073,000 | 1,996,000 |
| Income tax | 432,000 | 799,000 | 490,000 | 846,000 |
| Net income | 491,000 | 1,109,000 | 583,000 | 1,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,568,000 | 14,274,000 | 12,563,000 | 14,217,000 |
| Total capital | 15,205,000 | 15,961,000 | 14,251,000 | 16,002,000 |
| Risk-weighted assets | 133,468,000 | 140,039,000 | 141,664,000 | 149,636,000 |
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