Call reports 2006
CNLBANK, FIRST COAST — 2006
What CNLBANK, FIRST COAST 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 | 102,588,000 | 130,795,000 | 149,220,000 | 159,673,000 |
| Total loans | 75,533,000 | 104,742,000 | 116,493,000 | 127,251,000 |
| Allowance for loan losses | 852,000 | 1,128,000 | 1,312,000 | 1,477,000 |
| Securities available for sale | 19,415,000 | 18,252,000 | 19,904,000 | 23,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,060,000 | 88,577,000 | 100,160,000 | 115,463,000 |
| Interest-bearing deposits | 57,469,000 | 67,274,000 | 77,045,000 | 96,339,000 |
| Noninterest-bearing deposits | 15,591,000 | 21,303,000 | 23,115,000 | 19,124,000 |
| Equity capital | 19,403,000 | 19,393,000 | 19,875,000 | 20,339,000 |
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 | 1,552,000 | 3,558,000 | 6,209,000 | 9,227,000 |
| Interest expense | 492,000 | 1,191,000 | 2,137,000 | 3,367,000 |
| Net interest income | 1,060,000 | 2,367,000 | 4,072,000 | 5,860,000 |
| Noninterest income | 22,000 | 44,000 | 67,000 | 93,000 |
| Noninterest expense | 888,000 | 1,812,000 | 2,774,000 | 3,859,000 |
| Provision for loan losses | 210,000 | 486,000 | 671,000 | 836,000 |
| Pretax income | -16,000 | 113,000 | 694,000 | 1,258,000 |
| Income tax | -1,000 | 54,000 | 273,000 | 481,000 |
| Net income | -15,000 | 59,000 | 421,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,455,000 | 19,530,000 | 19,892,000 | 20,249,000 |
| Total capital | 20,307,000 | 20,658,000 | 21,204,000 | 21,726,000 |
| Risk-weighted assets | 87,834,000 | 117,645,000 | 126,143,000 | 138,717,000 |