Call reports 2006
BANK FORWARD — 2006
What BANK FORWARD 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 | 269,864,000 | 332,557,000 | 337,904,000 | 353,550,000 |
| Total loans | 212,314,000 | 264,184,000 | 266,965,000 | 280,020,000 |
| Allowance for loan losses | 2,238,000 | 2,665,000 | 2,793,000 | 2,688,000 |
| Securities available for sale | 43,635,000 | 50,776,000 | 52,283,000 | 53,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,681,000 | 253,804,000 | 259,748,000 | 265,858,000 |
| Interest-bearing deposits | 196,762,000 | 227,033,000 | 231,221,000 | 233,476,000 |
| Noninterest-bearing deposits | 24,919,000 | 26,771,000 | 28,527,000 | 32,382,000 |
| Equity capital | 20,283,000 | 25,077,000 | 26,209,000 | 25,755,000 |
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 | 4,381,000 | 10,767,000 | 16,831,000 | 22,943,000 |
| Interest expense | 1,758,000 | 4,408,000 | 7,191,000 | 10,058,000 |
| Net interest income | 2,623,000 | 6,359,000 | 9,640,000 | 12,885,000 |
| Noninterest income | 333,000 | 795,000 | 1,115,000 | 1,575,000 |
| Noninterest expense | 1,897,000 | 4,666,000 | 7,120,000 | 9,950,000 |
| Provision for loan losses | 48,000 | 55,000 | 247,000 | 911,000 |
| Pretax income | 1,011,000 | 2,398,000 | 3,321,000 | 3,535,000 |
| Income tax | 69,000 | 144,000 | 217,000 | 226,000 |
| Net income | 942,000 | 2,254,000 | 3,104,000 | 3,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,057,000 | 25,736,000 | 25,793,000 | 25,261,000 |
| Total capital | 23,295,000 | 28,401,000 | 28,586,000 | 33,949,000 |
| Risk-weighted assets | 218,006,000 | 269,472,000 | 275,162,000 | 288,477,000 |