Call reports 2006
BANKESB — 2006
What BANKESB 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 | 674,025,000 | 685,063,000 | 692,191,000 | 699,168,000 |
| Total loans | 502,900,000 | 511,280,000 | 513,502,000 | 523,792,000 |
| Allowance for loan losses | 3,291,000 | 3,329,000 | 3,334,000 | 3,395,000 |
| Securities available for sale | 124,001,000 | 123,850,000 | 126,544,000 | 124,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,623,000 | 528,078,000 | 527,295,000 | 535,458,000 |
| Interest-bearing deposits | 489,004,000 | 489,144,000 | 488,892,000 | 497,764,000 |
| Noninterest-bearing deposits | 36,619,000 | 38,934,000 | 38,403,000 | 37,694,000 |
| Equity capital | 81,448,000 | 82,508,000 | 84,675,000 | 86,291,000 |
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 | 8,391,000 | 17,070,000 | 26,048,000 | 35,196,000 |
| Interest expense | 3,681,000 | 7,809,000 | 12,371,000 | 17,257,000 |
| Net interest income | 4,710,000 | 9,261,000 | 13,677,000 | 17,939,000 |
| Noninterest income | 868,000 | 1,838,000 | 2,860,000 | 3,896,000 |
| Noninterest expense | 3,725,000 | 7,410,000 | 11,247,000 | 14,748,000 |
| Provision for loan losses | 62,000 | 127,000 | 190,000 | 259,000 |
| Pretax income | 1,885,000 | 3,669,000 | 5,684,000 | 7,371,000 |
| Income tax | 603,000 | 1,155,000 | 1,725,000 | 2,219,000 |
| Net income | 1,282,000 | 2,514,000 | 3,959,000 | 5,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,589,000 | 83,799,000 | 85,321,000 | 86,533,000 |
| Total capital | 85,880,000 | 87,128,000 | 88,716,000 | 90,211,000 |
| Risk-weighted assets | 390,705,000 | 402,370,000 | 411,967,000 | 418,377,000 |