Call reports 2006
CURRENCY BANK — 2006
What CURRENCY 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 | 16,955,000 | 16,516,000 | 17,382,000 | 17,304,000 |
| Total loans | 7,976,000 | 8,519,000 | 8,074,000 | 7,883,000 |
| Allowance for loan losses | 103,000 | 98,000 | 99,000 | 105,000 |
| Securities available for sale | 5,360,000 | 5,533,000 | 6,501,000 | 7,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,745,000 | 14,339,000 | 15,103,000 | 15,068,000 |
| Interest-bearing deposits | 11,521,000 | 11,242,000 | 11,823,000 | 11,875,000 |
| Noninterest-bearing deposits | 3,224,000 | 3,097,000 | 3,280,000 | 3,193,000 |
| Equity capital | 2,152,000 | 2,113,000 | 2,209,000 | 2,166,000 |
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 | 247,000 | 496,000 | 761,000 | 1,041,000 |
| Interest expense | 80,000 | 164,000 | 257,000 | 363,000 |
| Net interest income | 167,000 | 332,000 | 504,000 | 678,000 |
| Noninterest income | 57,000 | 118,000 | 176,000 | 242,000 |
| Noninterest expense | 180,000 | 371,000 | 561,000 | 755,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 23,000 | 59,000 | 99,000 | 70,000 |
| Income tax | 8,000 | 20,000 | 34,000 | 24,000 |
| Net income | 15,000 | 39,000 | 65,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,165,000 | 2,169,000 | 2,245,000 | 2,184,000 |
| Total capital | 2,268,000 | 2,267,000 | 2,344,000 | 2,289,000 |
| Risk-weighted assets | 9,808,000 | 10,270,000 | 10,111,000 | 10,227,000 |