Call reports 2006
FOUNDERS COMMUNITY BANK — 2006
What FOUNDERS 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 | 53,963,000 | 53,903,000 | 59,493,000 | 65,394,000 |
| Total loans | 35,252,000 | 41,416,000 | 48,617,000 | 53,377,000 |
| Allowance for loan losses | 352,000 | 475,000 | 612,000 | 671,000 |
| Securities available for sale | 4,486,000 | 4,482,000 | 3,483,000 | 3,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,770,000 | 43,670,000 | 49,168,000 | 54,831,000 |
| Interest-bearing deposits | 34,948,000 | 33,297,000 | 35,214,000 | 41,777,000 |
| Noninterest-bearing deposits | 8,822,000 | 10,373,000 | 13,954,000 | 13,054,000 |
| Equity capital | 10,109,000 | 10,150,000 | 10,224,000 | 10,439,000 |
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 | 864,000 | 1,845,000 | 2,961,000 | 4,231,000 |
| Interest expense | 273,000 | 566,000 | 893,000 | 1,284,000 |
| Net interest income | 591,000 | 1,279,000 | 2,068,000 | 2,947,000 |
| Noninterest income | 17,000 | 35,000 | 67,000 | 105,000 |
| Noninterest expense | 553,000 | 1,131,000 | 1,784,000 | 2,473,000 |
| Provision for loan losses | 54,000 | 177,000 | 314,000 | 373,000 |
| Pretax income | 1,000 | 6,000 | 37,000 | 206,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 1,000 | 5,000 | 36,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,118,000 | 10,165,000 | 10,238,000 | 10,450,000 |
| Total capital | 10,478,000 | 10,650,000 | 10,863,000 | 11,134,000 |
| Risk-weighted assets | 42,035,000 | 51,751,000 | 55,029,000 | 60,963,000 |