Call reports 2006
BUSINESS BANK, THE — 2006
What BUSINESS BANK, THE 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 | 189,887,000 | 202,894,000 | 225,426,000 | 229,997,000 |
| Total loans | 174,883,000 | 186,716,000 | 199,364,000 | 207,809,000 |
| Allowance for loan losses | 1,772,000 | 1,674,000 | 1,847,000 | 2,031,000 |
| Securities available for sale | 6,460,000 | 6,094,000 | 6,794,000 | 7,610,000 |
| Securities held to maturity | 4,308,000 | 4,310,000 | 4,313,000 | 4,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,118,000 | 177,516,000 | 203,930,000 | 207,564,000 |
| Interest-bearing deposits | 156,611,000 | 160,112,000 | 185,558,000 | 188,674,000 |
| Noninterest-bearing deposits | 13,508,000 | 17,404,000 | 18,372,000 | 18,890,000 |
| Equity capital | 17,379,000 | 17,766,000 | 18,736,000 | 19,665,000 |
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 | 3,116,000 | 6,476,000 | 10,251,000 | 14,197,000 |
| Interest expense | 1,632,000 | 3,457,000 | 5,601,000 | 7,923,000 |
| Net interest income | 1,484,000 | 3,019,000 | 4,650,000 | 6,274,000 |
| Noninterest income | 37,000 | 72,000 | 107,000 | 135,000 |
| Noninterest expense | 643,000 | 1,318,000 | 2,020,000 | 2,822,000 |
| Provision for loan losses | 109,000 | 218,000 | 378,000 | 562,000 |
| Pretax income | 769,000 | 1,555,000 | 2,359,000 | 3,025,000 |
| Income tax | 297,000 | 601,000 | 912,000 | 1,169,000 |
| Net income | 472,000 | 954,000 | 1,447,000 | 1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,476,000 | 17,891,000 | 18,819,000 | 19,726,000 |
| Total capital | 19,248,000 | 19,565,000 | 20,666,000 | 21,757,000 |
| Risk-weighted assets | 185,170,000 | 192,072,000 | 206,444,000 | 214,870,000 |