Call reports 2006
NEW HORIZONS BANK — 2006
What NEW HORIZONS 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 | 92,188,000 | 95,418,000 | 103,194,000 | 105,087,000 |
| Total loans | 76,349,000 | 80,608,000 | 86,601,000 | 89,966,000 |
| Allowance for loan losses | 765,000 | 812,000 | 868,000 | 900,000 |
| Securities available for sale | 7,904,000 | 7,761,000 | 8,988,000 | 9,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,810,000 | 86,266,000 | 95,098,000 | 96,610,000 |
| Interest-bearing deposits | 78,368,000 | 81,581,000 | 89,677,000 | 92,086,000 |
| Noninterest-bearing deposits | 4,442,000 | 4,685,000 | 5,421,000 | 4,524,000 |
| Equity capital | 7,203,000 | 7,431,000 | 7,861,000 | 8,254,000 |
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 | 1,451,000 | 3,148,000 | 5,068,000 | 7,133,000 |
| Interest expense | 759,000 | 1,661,000 | 2,727,000 | 3,904,000 |
| Net interest income | 692,000 | 1,487,000 | 2,341,000 | 3,229,000 |
| Noninterest income | 64,000 | 153,000 | 229,000 | 318,000 |
| Noninterest expense | 527,000 | 1,077,000 | 1,636,000 | 2,204,000 |
| Provision for loan losses | 124,000 | 171,000 | 227,000 | 259,000 |
| Pretax income | 105,000 | 392,000 | 707,000 | 1,084,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 392,000 | 707,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,451,000 | 7,738,000 | 8,052,000 | 8,430,000 |
| Total capital | 8,216,000 | 8,550,000 | 8,920,000 | 9,330,000 |
| Risk-weighted assets | 80,536,000 | 85,249,000 | 91,482,000 | 94,113,000 |