Call reports 2006
BANK OF LENAWEE — 2006
What BANK OF LENAWEE 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 | 283,060,000 | 301,733,000 | 297,655,000 | 294,398,000 |
| Total loans | 235,499,000 | 244,064,000 | 245,884,000 | 246,505,000 |
| Allowance for loan losses | 2,596,000 | 2,694,000 | 2,759,000 | 2,817,000 |
| Securities available for sale | 23,793,000 | 23,539,000 | 23,491,000 | 17,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,217,000 | 235,173,000 | 235,711,000 | 236,249,000 |
| Interest-bearing deposits | 176,763,000 | 183,642,000 | 184,102,000 | 189,654,000 |
| Noninterest-bearing deposits | 49,454,000 | 51,531,000 | 51,610,000 | 46,595,000 |
| Equity capital | 30,774,000 | 31,584,000 | 32,600,000 | 29,767,000 |
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 | 4,471,000 | 9,085,000 | 13,999,000 | 18,851,000 |
| Interest expense | 1,451,000 | 3,003,000 | 4,804,000 | 6,632,000 |
| Net interest income | 3,020,000 | 6,082,000 | 9,195,000 | 12,219,000 |
| Noninterest income | 707,000 | 1,563,000 | 2,281,000 | 3,077,000 |
| Noninterest expense | 2,989,000 | 5,632,000 | 8,116,000 | 10,743,000 |
| Provision for loan losses | 0 | 105,000 | 225,000 | 333,000 |
| Pretax income | 738,000 | 1,899,000 | 3,126,000 | 4,212,000 |
| Income tax | 245,000 | 614,000 | 939,000 | 1,326,000 |
| Net income | 493,000 | 1,285,000 | 2,187,000 | 2,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,072,000 | 31,865,000 | 32,767,000 | 29,865,000 |
| Total capital | 33,668,000 | 34,559,000 | 35,526,000 | 32,682,000 |
| Risk-weighted assets | 242,053,000 | 261,230,000 | 262,831,000 | 261,493,000 |