Call reports 2006
BANK OF ERATH — 2006
What BANK OF ERATH 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 | 73,991,000 | 71,426,000 | 71,513,000 | 71,408,000 |
| Total loans | 32,033,000 | 34,453,000 | 35,286,000 | 35,254,000 |
| Allowance for loan losses | 592,000 | 609,000 | 630,000 | 643,000 |
| Securities available for sale | 30,480,000 | 28,871,000 | 27,822,000 | 26,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,307,000 | 61,741,000 | 61,081,000 | 59,765,000 |
| Interest-bearing deposits | 40,551,000 | 38,925,000 | 39,555,000 | 38,868,000 |
| Noninterest-bearing deposits | 23,756,000 | 22,816,000 | 21,526,000 | 20,897,000 |
| Equity capital | 9,521,000 | 9,591,000 | 10,123,000 | 10,390,000 |
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 | 972,000 | 2,017,000 | 3,091,000 | 4,187,000 |
| Interest expense | 135,000 | 283,000 | 454,000 | 652,000 |
| Net interest income | 837,000 | 1,734,000 | 2,637,000 | 3,535,000 |
| Noninterest income | 101,000 | 218,000 | 342,000 | 468,000 |
| Noninterest expense | 600,000 | 1,206,000 | 1,809,000 | 2,450,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 316,000 | 701,000 | 1,102,000 | 1,463,000 |
| Income tax | 82,000 | 186,000 | 291,000 | 400,000 |
| Net income | 234,000 | 515,000 | 811,000 | 1,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,751,000 | 9,970,000 | 10,266,000 | 10,507,000 |
| Total capital | 10,343,000 | 10,579,000 | 10,896,000 | 11,150,000 |
| Risk-weighted assets | 49,650,000 | 51,347,000 | 51,826,000 | 51,747,000 |