Call reports 2006
TERRABANK, NATIONAL ASSOCIATION — 2006
What TERRABANK, NATIONAL ASSOCIATION 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 | 354,579,000 | 327,172,000 | 311,096,000 | 304,510,000 |
| Total loans | 208,588,000 | 189,515,000 | 177,583,000 | 165,226,000 |
| Allowance for loan losses | 3,053,000 | 2,525,000 | 2,583,000 | 2,734,000 |
| Securities available for sale | 102,939,000 | 102,886,000 | 104,726,000 | 118,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,941,000 | 296,004,000 | 279,629,000 | 272,425,000 |
| Interest-bearing deposits | 254,768,000 | 234,219,000 | 227,769,000 | 227,771,000 |
| Noninterest-bearing deposits | 67,173,000 | 61,785,000 | 51,860,000 | 44,654,000 |
| Equity capital | 28,978,000 | 29,443,000 | 30,134,000 | 30,858,000 |
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 | 5,323,000 | 10,548,000 | 15,481,000 | 20,494,000 |
| Interest expense | 2,288,000 | 4,581,000 | 6,975,000 | 9,491,000 |
| Net interest income | 3,035,000 | 5,967,000 | 8,506,000 | 11,003,000 |
| Noninterest income | 337,000 | 652,000 | 1,037,000 | 1,383,000 |
| Noninterest expense | 3,035,000 | 5,740,000 | 8,408,000 | 11,073,000 |
| Provision for loan losses | 89,000 | -577,000 | -537,000 | -407,000 |
| Pretax income | 248,000 | 1,456,000 | 1,672,000 | 1,741,000 |
| Income tax | 237,000 | 754,000 | 857,000 | 612,000 |
| Net income | 11,000 | 702,000 | 815,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,889,000 | 30,582,000 | 30,694,000 | 31,130,000 |
| Total capital | 32,586,000 | 33,037,000 | 33,026,000 | 33,353,000 |
| Risk-weighted assets | 215,232,000 | 196,078,000 | 186,079,000 | 177,320,000 |