Call reports 2006
BANK OF SAINT ELIZABETH — 2006
What BANK OF SAINT ELIZABETH 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 | 52,710,000 | 52,254,000 | 52,730,000 | 87,906,000 |
| Total loans | 43,994,000 | 43,894,000 | 43,611,000 | 64,388,000 |
| Allowance for loan losses | 450,000 | 450,000 | 450,000 | 621,000 |
| Securities available for sale | 5,499,000 | 5,468,000 | 5,664,000 | 14,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,548,000 | 41,228,000 | 42,593,000 | 74,799,000 |
| Interest-bearing deposits | 35,725,000 | 35,713,000 | 37,228,000 | 60,014,000 |
| Noninterest-bearing deposits | 5,823,000 | 5,515,000 | 5,365,000 | 14,785,000 |
| Equity capital | 5,553,000 | 5,453,000 | 5,555,000 | 9,879,000 |
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 | 909,000 | 1,814,000 | 2,727,000 | 3,913,000 |
| Interest expense | 340,000 | 701,000 | 1,082,000 | 1,589,000 |
| Net interest income | 569,000 | 1,113,000 | 1,645,000 | 2,324,000 |
| Noninterest income | 64,000 | 141,000 | 279,000 | 360,000 |
| Noninterest expense | 315,000 | 587,000 | 940,000 | 1,545,000 |
| Provision for loan losses | -1,000 | 5,000 | 4,000 | 72,000 |
| Pretax income | 299,000 | 618,000 | 920,000 | 1,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 299,000 | 618,000 | 920,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,504,000 | 5,521,000 | 5,623,000 | 6,146,000 |
| Total capital | 5,954,000 | 5,971,000 | 6,073,000 | 6,767,000 |
| Risk-weighted assets | 37,946,000 | 37,420,000 | 37,212,000 | 58,387,000 |