Call reports 2006
UNION COLONY BANK — 2006
What UNION COLONY 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 | 434,259,000 | 434,715,000 | 420,954,000 | 405,619,000 |
| Total loans | 286,125,000 | 302,251,000 | 301,206,000 | 303,736,000 |
| Allowance for loan losses | 2,081,000 | 1,999,000 | 2,077,000 | 2,476,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 58,336,000 | 57,960,000 | 34,604,000 | 28,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,311,000 | 372,325,000 | 358,170,000 | 348,884,000 |
| Interest-bearing deposits | 340,237,000 | 333,560,000 | 323,468,000 | 333,633,000 |
| Noninterest-bearing deposits | 36,074,000 | 38,765,000 | 34,702,000 | 15,251,000 |
| Equity capital | 48,192,000 | 47,564,000 | 48,160,000 | 48,645,000 |
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 | 6,313,000 | 12,662,000 | 19,189,000 | 25,693,000 |
| Interest expense | 2,472,000 | 4,868,000 | 7,439,000 | 10,045,000 |
| Net interest income | 3,841,000 | 7,794,000 | 11,750,000 | 15,648,000 |
| Noninterest income | 1,295,000 | 2,660,000 | 4,081,000 | 5,361,000 |
| Noninterest expense | 4,207,000 | 8,387,000 | 12,629,000 | 16,483,000 |
| Provision for loan losses | 206,000 | 361,000 | 555,000 | 1,126,000 |
| Pretax income | 723,000 | 1,706,000 | 2,647,000 | 3,400,000 |
| Income tax | 245,000 | 606,000 | 951,000 | 1,219,000 |
| Net income | 478,000 | 1,100,000 | 1,696,000 | 2,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,467,000 | 31,931,000 | 32,619,000 | 33,196,000 |
| Total capital | 34,585,000 | 33,978,000 | 34,744,000 | 35,716,000 |
| Risk-weighted assets | 310,703,000 | 320,898,000 | 323,637,000 | 320,798,000 |