Call reports 2006
COLDWATER NATIVE BANK, THE — 2006
What COLDWATER NATIVE BANK, THE 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 | 14,559,000 | 13,718,000 | 13,559,000 | 14,789,000 |
| Total loans | 2,467,000 | 2,230,000 | 2,274,000 | 2,492,000 |
| Allowance for loan losses | 66,000 | 66,000 | 41,000 | 41,000 |
| Securities available for sale | 8,825,000 | 8,847,000 | 9,010,000 | 8,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,325,000 | 10,615,000 | 10,304,000 | 11,554,000 |
| Interest-bearing deposits | 9,743,000 | 9,073,000 | 8,748,000 | 9,943,000 |
| Noninterest-bearing deposits | 1,582,000 | 1,542,000 | 1,556,000 | 1,611,000 |
| Equity capital | 3,187,000 | 3,074,000 | 3,208,000 | 3,206,000 |
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 | 166,000 | 335,000 | 500,000 | 670,000 |
| Interest expense | 44,000 | 94,000 | 143,000 | 194,000 |
| Net interest income | 122,000 | 241,000 | 357,000 | 476,000 |
| Noninterest income | 14,000 | 25,000 | 35,000 | 46,000 |
| Noninterest expense | 111,000 | 214,000 | 326,000 | 446,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 52,000 | 66,000 | 76,000 |
| Income tax | 7,000 | 13,000 | 15,000 | 15,000 |
| Net income | 18,000 | 39,000 | 51,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,346,000 | 3,367,000 | 3,379,000 | 3,369,000 |
| Total capital | 3,412,000 | 3,433,000 | 3,420,000 | 3,410,000 |
| Risk-weighted assets | 4,958,000 | 4,661,000 | 4,601,000 | 4,974,000 |