Call reports 2006
INTERCHANGE BANK — 2006
What INTERCHANGE 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 | 1,647,212,000 | 1,661,970,000 | 1,623,928,000 | 1,566,192,000 |
| Total loans | 1,124,091,000 | 1,137,287,000 | 1,140,064,000 | 1,137,021,000 |
| Allowance for loan losses | 10,559,000 | 10,649,000 | 10,305,000 | 11,567,000 |
| Securities available for sale | 300,667,000 | 309,902,000 | 274,958,000 | 224,709,000 |
| Securities held to maturity | 44,484,000 | 31,208,000 | 30,687,000 | 28,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,254,059,000 | 1,243,532,000 | 1,236,366,000 | 1,233,810,000 |
| Interest-bearing deposits | 1,001,126,000 | 993,733,000 | 1,006,400,000 | 999,974,000 |
| Noninterest-bearing deposits | 252,933,000 | 249,799,000 | 229,966,000 | 233,836,000 |
| Equity capital | 202,396,000 | 204,171,000 | 209,106,000 | 177,510,000 |
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 | 22,016,000 | 45,134,000 | 68,791,000 | 92,525,000 |
| Interest expense | 7,890,000 | 16,982,000 | 26,879,000 | 36,591,000 |
| Net interest income | 14,126,000 | 28,152,000 | 41,912,000 | 55,934,000 |
| Noninterest income | 2,652,000 | 5,150,000 | 7,347,000 | 9,862,000 |
| Noninterest expense | 9,694,000 | 19,804,000 | 29,301,000 | 58,915,000 |
| Provision for loan losses | 175,000 | 300,000 | 450,000 | 1,844,000 |
| Pretax income | 6,932,000 | 13,287,000 | 19,638,000 | 5,184,000 |
| Income tax | 1,935,000 | 3,732,000 | 5,560,000 | 1,176,000 |
| Net income | 4,997,000 | 9,555,000 | 14,078,000 | 4,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,065,000 | 135,848,000 | 138,623,000 | 107,165,000 |
| Total capital | 143,644,000 | 146,517,000 | 148,948,000 | 118,752,000 |
| Risk-weighted assets | 1,191,799,000 | 1,207,103,000 | 1,202,940,000 | 1,195,740,000 |