Call reports 2006
BENCHMARK COMMUNITY BANK — 2006
What BENCHMARK 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 | 301,809,000 | 304,721,000 | 311,079,000 | 313,281,000 |
| Total loans | 249,509,000 | 250,517,000 | 251,898,000 | 257,294,000 |
| Allowance for loan losses | 2,138,000 | 2,184,000 | 2,154,000 | 2,172,000 |
| Securities available for sale | 21,123,000 | 20,654,000 | 21,016,000 | 22,158,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,312,000 | 274,590,000 | 279,513,000 | 283,397,000 |
| Interest-bearing deposits | 233,358,000 | 233,846,000 | 240,551,000 | 240,582,000 |
| Noninterest-bearing deposits | 38,954,000 | 40,744,000 | 38,962,000 | 42,815,000 |
| Equity capital | 27,627,000 | 28,495,000 | 29,653,000 | 28,108,000 |
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 | 4,770,000 | 9,714,000 | 14,742,000 | 19,946,000 |
| Interest expense | 1,699,000 | 3,541,000 | 5,598,000 | 7,779,000 |
| Net interest income | 3,071,000 | 6,173,000 | 9,144,000 | 12,167,000 |
| Noninterest income | 412,000 | 927,000 | 1,460,000 | 2,001,000 |
| Noninterest expense | 2,023,000 | 4,206,000 | 6,254,000 | 8,357,000 |
| Provision for loan losses | 91,000 | 161,000 | 184,000 | 216,000 |
| Pretax income | 1,369,000 | 2,733,000 | 4,166,000 | 5,595,000 |
| Income tax | 401,000 | 802,000 | 1,222,000 | 1,739,000 |
| Net income | 968,000 | 1,931,000 | 2,944,000 | 3,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,674,000 | 27,548,000 | 28,612,000 | 27,097,000 |
| Total capital | 28,812,000 | 29,732,000 | 30,766,000 | 29,269,000 |
| Risk-weighted assets | 225,102,000 | 227,054,000 | 230,229,000 | 234,526,000 |