Call reports 2006
TRADITIONS BANK — 2006
What TRADITIONS 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 | 104,341,000 | 109,473,000 | 116,970,000 | 125,035,000 |
| Total loans | 79,575,000 | 85,315,000 | 91,693,000 | 100,237,000 |
| Allowance for loan losses | 907,000 | 953,000 | 1,049,000 | 1,104,000 |
| Securities available for sale | 13,134,000 | 13,280,000 | 14,370,000 | 13,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,635,000 | 100,137,000 | 106,611,000 | 113,665,000 |
| Interest-bearing deposits | 87,341,000 | 91,085,000 | 96,915,000 | 103,497,000 |
| Noninterest-bearing deposits | 7,294,000 | 9,052,000 | 9,696,000 | 10,168,000 |
| Equity capital | 8,497,000 | 8,729,000 | 9,212,000 | 9,555,000 |
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 | 1,673,000 | 3,572,000 | 5,737,000 | 8,048,000 |
| Interest expense | 711,000 | 1,526,000 | 2,468,000 | 3,543,000 |
| Net interest income | 962,000 | 2,046,000 | 3,269,000 | 4,505,000 |
| Noninterest income | 173,000 | 466,000 | 777,000 | 1,094,000 |
| Noninterest expense | 756,000 | 1,606,000 | 2,516,000 | 3,514,000 |
| Provision for loan losses | 119,000 | 222,000 | 348,000 | 438,000 |
| Pretax income | 260,000 | 684,000 | 1,182,000 | 1,647,000 |
| Income tax | 94,000 | 251,000 | 430,000 | 577,000 |
| Net income | 166,000 | 433,000 | 752,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,753,000 | 9,036,000 | 9,360,000 | 9,681,000 |
| Total capital | 9,660,000 | 9,989,000 | 10,409,000 | 10,785,000 |
| Risk-weighted assets | 80,909,000 | 85,715,000 | 91,853,000 | 99,179,000 |