Call reports 2006
TRADERS BANK, INC. — 2006
What TRADERS BANK, INC. 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 | 106,547,000 | 102,647,000 | 103,636,000 | 103,872,000 |
| Total loans | 55,950,000 | 52,545,000 | 50,167,000 | 48,463,000 |
| Allowance for loan losses | 2,362,000 | 2,055,000 | 2,045,000 | 2,066,000 |
| Securities available for sale | 34,842,000 | 34,421,000 | 34,380,000 | 41,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,350,000 | 90,659,000 | 91,371,000 | 91,167,000 |
| Interest-bearing deposits | 76,649,000 | 69,037,000 | 69,432,000 | 73,941,000 |
| Noninterest-bearing deposits | 17,702,000 | 21,622,000 | 21,939,000 | 17,225,000 |
| Equity capital | 10,960,000 | 10,838,000 | 11,112,000 | 11,550,000 |
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 | 1,450,000 | 2,966,000 | 4,473,000 | 6,034,000 |
| Interest expense | 399,000 | 826,000 | 1,288,000 | 1,792,000 |
| Net interest income | 1,051,000 | 2,140,000 | 3,185,000 | 4,242,000 |
| Noninterest income | 144,000 | 309,000 | 465,000 | 619,000 |
| Noninterest expense | 1,203,000 | 2,337,000 | 3,366,000 | 4,433,000 |
| Provision for loan losses | 25,000 | 105,000 | 105,000 | 105,000 |
| Pretax income | -33,000 | 7,000 | 179,000 | 323,000 |
| Income tax | -13,000 | 26,000 | 52,000 | -145,000 |
| Net income | -20,000 | -19,000 | 127,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,534,000 | 11,535,000 | 11,389,000 | 12,024,000 |
| Total capital | 12,320,000 | 12,286,000 | 12,104,000 | 12,024,000 |
| Risk-weighted assets | 61,309,000 | 58,749,000 | 55,998,000 | 54,565,000 |