Call reports 2006
WELCOME STATE BANK — 2006
What WELCOME STATE 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 | 17,027,000 | 17,139,000 | 17,970,000 | 17,325,000 |
| Total loans | 12,216,000 | 14,139,000 | 14,354,000 | 14,418,000 |
| Allowance for loan losses | 281,000 | 289,000 | 300,000 | 266,000 |
| Securities available for sale | 1,280,000 | 1,082,000 | 1,312,000 | 1,312,000 |
| Securities held to maturity | 500,000 | 500,000 | 498,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,550,000 | 14,917,000 | 15,711,000 | 14,857,000 |
| Interest-bearing deposits | 10,816,000 | 11,587,000 | 12,628,000 | 11,489,000 |
| Noninterest-bearing deposits | 3,734,000 | 3,330,000 | 3,083,000 | 3,368,000 |
| Equity capital | 1,768,000 | 1,795,000 | 1,874,000 | 1,891,000 |
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 | 262,000 | 537,000 | 840,000 | 1,144,000 |
| Interest expense | 67,000 | 144,000 | 241,000 | 343,000 |
| Net interest income | 195,000 | 393,000 | 599,000 | 801,000 |
| Noninterest income | 45,000 | 98,000 | 140,000 | 206,000 |
| Noninterest expense | 132,000 | 259,000 | 383,000 | 597,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 30,000 |
| Pretax income | 99,000 | 214,000 | 329,000 | 380,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 214,000 | 329,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,778,000 | 1,808,000 | 1,878,000 | 1,895,000 |
| Total capital | 1,941,000 | 1,992,000 | 2,069,000 | 2,083,000 |
| Risk-weighted assets | 13,229,000 | 15,032,000 | 15,451,000 | 15,279,000 |