Call reports 2006
TIPPINS BANK — 2006
What TIPPINS 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 | 53,899,000 | 53,461,000 | 53,077,000 | 55,182,000 |
| Total loans | 30,525,000 | 32,264,000 | 34,983,000 | 36,430,000 |
| Allowance for loan losses | 787,000 | 874,000 | 874,000 | 987,000 |
| Securities available for sale | 11,925,000 | 12,221,000 | 12,338,000 | 11,931,000 |
| Securities held to maturity | 22,000 | 20,000 | 17,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,258,000 | 46,652,000 | 45,942,000 | 47,941,000 |
| Interest-bearing deposits | 38,345,000 | 37,313,000 | 36,483,000 | 38,831,000 |
| Noninterest-bearing deposits | 8,914,000 | 9,339,000 | 9,459,000 | 9,110,000 |
| Equity capital | 6,243,000 | 6,424,000 | 6,688,000 | 6,750,000 |
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 | 916,000 | 1,838,000 | 2,781,000 | 3,748,000 |
| Interest expense | 230,000 | 495,000 | 777,000 | 1,074,000 |
| Net interest income | 686,000 | 1,343,000 | 2,004,000 | 2,674,000 |
| Noninterest income | 130,000 | 317,000 | 435,000 | 543,000 |
| Noninterest expense | 493,000 | 977,000 | 1,467,000 | 2,025,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 160,000 |
| Pretax income | 308,000 | 653,000 | 927,000 | 1,032,000 |
| Income tax | 103,000 | 218,000 | 313,000 | 379,000 |
| Net income | 205,000 | 435,000 | 614,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,749,000 | 4,979,000 | 5,157,000 | 5,197,000 |
| Total capital | 5,161,000 | 5,395,000 | 5,597,000 | 5,658,000 |
| Risk-weighted assets | 32,557,000 | 32,812,000 | 34,794,000 | 36,373,000 |