Call reports 2006
ROSELLE BANK — 2006
What ROSELLE 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 | 396,395,000 | 395,158,000 | 382,807,000 | 381,708,000 |
| Total loans | 73,339,000 | 79,997,000 | 83,591,000 | 85,768,000 |
| Allowance for loan losses | 458,000 | 470,000 | 482,000 | 494,000 |
| Securities available for sale | 30,909,000 | 30,829,000 | 23,118,000 | 23,401,000 |
| Securities held to maturity | 269,040,000 | 263,897,000 | 252,821,000 | 245,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,995,000 | 305,150,000 | 297,904,000 | 296,182,000 |
| Interest-bearing deposits | 309,740,000 | 303,296,000 | 296,185,000 | 294,717,000 |
| Noninterest-bearing deposits | 2,255,000 | 1,854,000 | 1,719,000 | 1,465,000 |
| Equity capital | 58,669,000 | 59,117,000 | 59,843,000 | 60,500,000 |
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 | 4,372,000 | 8,799,000 | 13,268,000 | 17,741,000 |
| Interest expense | 2,516,000 | 5,222,000 | 8,062,000 | 10,974,000 |
| Net interest income | 1,856,000 | 3,577,000 | 5,206,000 | 6,767,000 |
| Noninterest income | 92,000 | 190,000 | 285,000 | 381,000 |
| Noninterest expense | 1,304,000 | 2,567,000 | 3,805,000 | 5,142,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 632,000 | 1,176,000 | 1,650,000 | 1,958,000 |
| Income tax | 45,000 | 55,000 | 40,000 | -41,000 |
| Net income | 587,000 | 1,121,000 | 1,610,000 | 1,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,846,000 | 59,285,000 | 59,933,000 | 60,566,000 |
| Total capital | 59,304,000 | 59,755,000 | 60,415,000 | 61,060,000 |
| Risk-weighted assets | 102,506,000 | 104,909,000 | 104,130,000 | 105,042,000 |