Call reports 2006
OGLETHORPE BANK — 2006
What OGLETHORPE 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 | 151,296,000 | 156,982,000 | 169,087,000 | 179,250,000 |
| Total loans | 129,407,000 | 133,495,000 | 137,372,000 | 141,816,000 |
| Allowance for loan losses | 1,428,000 | 1,446,000 | 1,516,000 | 1,580,000 |
| Securities available for sale | 2,378,000 | 2,337,000 | 2,079,000 | 5,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,540,000 | 142,651,000 | 154,008,000 | 164,883,000 |
| Interest-bearing deposits | 122,985,000 | 128,372,000 | 141,068,000 | 152,178,000 |
| Noninterest-bearing deposits | 13,555,000 | 14,279,000 | 12,940,000 | 12,705,000 |
| Equity capital | 12,252,000 | 12,638,000 | 13,123,000 | 13,873,000 |
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 | 2,518,000 | 5,391,000 | 8,515,000 | 11,910,000 |
| Interest expense | 1,148,000 | 2,492,000 | 4,058,000 | 5,866,000 |
| Net interest income | 1,370,000 | 2,899,000 | 4,457,000 | 6,044,000 |
| Noninterest income | 277,000 | 576,000 | 947,000 | 1,281,000 |
| Noninterest expense | 1,152,000 | 2,339,000 | 3,656,000 | 5,022,000 |
| Provision for loan losses | 179,000 | 224,000 | 294,000 | 375,000 |
| Pretax income | 316,000 | 912,000 | 1,454,000 | 1,929,000 |
| Income tax | 104,000 | 306,000 | 486,000 | 645,000 |
| Net income | 212,000 | 606,000 | 968,000 | 1,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,308,000 | 12,683,000 | 13,155,000 | 13,895,000 |
| Total capital | 13,736,000 | 14,129,000 | 14,670,000 | 15,475,000 |
| Risk-weighted assets | 123,245,000 | 128,322,000 | 130,715,000 | 136,790,000 |