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 | 201,408,000 | 191,489,000 | 201,276,000 | 210,247,000 |
| Total loans | 154,637,000 | 154,906,000 | 157,448,000 | 154,665,000 |
| Allowance for loan losses | 2,342,000 | 2,500,000 | 2,513,000 | 2,509,000 |
| Securities available for sale | 24,886,000 | 24,004,000 | 28,063,000 | 27,499,000 |
| Securities held to maturity | 1,999,000 | 4,384,000 | 3,091,000 | 2,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,486,000 | 170,925,000 | 175,432,000 | 183,869,000 |
| Interest-bearing deposits | 130,893,000 | 123,250,000 | 126,908,000 | 138,087,000 |
| Noninterest-bearing deposits | 49,593,000 | 47,675,000 | 48,524,000 | 45,782,000 |
| Equity capital | 17,879,000 | 18,250,000 | 18,799,000 | 19,324,000 |
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 | 3,145,000 | 6,532,000 | 10,101,000 | 13,620,000 |
| Interest expense | 984,000 | 2,084,000 | 3,390,000 | 4,864,000 |
| Net interest income | 2,161,000 | 4,448,000 | 6,711,000 | 8,756,000 |
| Noninterest income | 189,000 | 362,000 | 529,000 | 733,000 |
| Noninterest expense | 1,725,000 | 3,487,000 | 5,217,000 | 6,904,000 |
| Provision for loan losses | 92,000 | 175,000 | 188,000 | 188,000 |
| Pretax income | 533,000 | 1,148,000 | 1,835,000 | 2,397,000 |
| Income tax | 181,000 | 390,000 | 624,000 | 697,000 |
| Net income | 352,000 | 758,000 | 1,211,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,110,000 | 17,498,000 | 17,952,000 | 18,459,000 |
| Total capital | 19,077,000 | 19,418,000 | 19,975,000 | 20,501,000 |
| Risk-weighted assets | 156,952,000 | 153,498,000 | 161,333,000 | 162,868,000 |