Call reports 2006
FIRST SOUND BANK — 2006
What FIRST SOUND 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 | 124,158,000 | 116,480,000 | 114,910,000 | 132,758,000 |
| Total loans | 74,022,000 | 88,149,000 | 82,718,000 | 103,218,000 |
| Allowance for loan losses | 856,000 | 952,000 | 1,032,000 | 1,052,000 |
| Securities available for sale | 4,501,000 | 4,345,000 | 4,054,000 | 3,955,000 |
| Securities held to maturity | 0 | 0 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,188,000 | 98,890,000 | 94,852,000 | 100,293,000 |
| Interest-bearing deposits | 89,036,000 | 83,684,000 | 76,610,000 | 84,119,000 |
| Noninterest-bearing deposits | 15,153,000 | 15,206,000 | 18,241,000 | 16,174,000 |
| Equity capital | 16,957,000 | 17,143,000 | 17,402,000 | 28,728,000 |
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 | 1,661,000 | 3,647,000 | 5,904,000 | 8,210,000 |
| Interest expense | 648,000 | 1,365,000 | 2,272,000 | 3,155,000 |
| Net interest income | 1,013,000 | 2,282,000 | 3,632,000 | 5,055,000 |
| Noninterest income | 15,000 | 38,000 | 59,000 | 113,000 |
| Noninterest expense | 886,000 | 1,991,000 | 3,148,000 | 4,416,000 |
| Provision for loan losses | 90,000 | 186,000 | 266,000 | 286,000 |
| Pretax income | 52,000 | 143,000 | 277,000 | 466,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | 143,000 | 277,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,049,000 | 17,250,000 | 17,469,000 | 28,785,000 |
| Total capital | 17,905,000 | 18,202,000 | 18,501,000 | 29,837,000 |
| Risk-weighted assets | 102,419,000 | 113,299,000 | 108,203,000 | 128,584,000 |