Call reports 2006
ALBINA COMMUNITY BANK — 2006
What ALBINA COMMUNITY 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 | 124,000,000 | 122,124,000 | 128,514,000 | 135,079,000 |
| Total loans | 86,210,000 | 88,181,000 | 91,510,000 | 97,004,000 |
| Allowance for loan losses | 1,231,000 | 1,178,000 | 1,289,000 | 1,261,000 |
| Securities available for sale | 17,900,000 | 20,206,000 | 23,193,000 | 22,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,129,000 | 107,389,000 | 109,486,000 | 110,385,000 |
| Interest-bearing deposits | 92,639,000 | 89,024,000 | 91,458,000 | 89,706,000 |
| Noninterest-bearing deposits | 16,490,000 | 18,365,000 | 18,028,000 | 20,679,000 |
| Equity capital | 10,480,000 | 10,464,000 | 10,947,000 | 15,208,000 |
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 | 1,953,000 | 4,026,000 | 6,147,000 | 8,350,000 |
| Interest expense | 703,000 | 1,470,000 | 2,273,000 | 3,163,000 |
| Net interest income | 1,250,000 | 2,556,000 | 3,874,000 | 5,187,000 |
| Noninterest income | 308,000 | 636,000 | 1,480,000 | 1,848,000 |
| Noninterest expense | 1,356,000 | 2,766,000 | 4,384,000 | 5,927,000 |
| Provision for loan losses | 0 | 15,000 | 139,000 | 139,000 |
| Pretax income | 202,000 | 392,000 | 812,000 | 950,000 |
| Income tax | 60,000 | 115,000 | 76,000 | 113,000 |
| Net income | 142,000 | 277,000 | 736,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,605,000 | 10,647,000 | 11,003,000 | 15,211,000 |
| Total capital | 11,814,000 | 11,825,000 | 12,292,000 | 16,472,000 |
| Risk-weighted assets | 96,695,000 | 98,777,000 | 105,495,000 | 112,323,000 |