Call reports 2006
FIRST STATE BANK OF WEST SALEM — 2006
What FIRST STATE BANK OF WEST SALEM 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 | 15,059,000 | 15,056,000 | 14,621,000 | 15,049,000 |
| Total loans | 5,566,000 | 5,604,000 | 5,716,000 | 5,224,000 |
| Allowance for loan losses | 119,000 | 121,000 | 122,000 | 123,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,063,000 | 8,227,000 | 8,504,000 | 8,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,801,000 | 11,757,000 | 11,231,000 | 11,781,000 |
| Interest-bearing deposits | 9,388,000 | 9,156,000 | 8,777,000 | 9,096,000 |
| Noninterest-bearing deposits | 2,413,000 | 2,601,000 | 2,454,000 | 2,685,000 |
| Equity capital | 3,194,000 | 3,233,000 | 3,271,000 | 3,196,000 |
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 | 172,000 | 364,000 | 555,000 | 748,000 |
| Interest expense | 40,000 | 86,000 | 135,000 | 183,000 |
| Net interest income | 132,000 | 278,000 | 420,000 | 565,000 |
| Noninterest income | 15,000 | 30,000 | 45,000 | 61,000 |
| Noninterest expense | 103,000 | 207,000 | 308,000 | 438,000 |
| Provision for loan losses | 2,000 | 4,000 | 5,000 | 7,000 |
| Pretax income | 42,000 | 97,000 | 152,000 | 181,000 |
| Income tax | 12,000 | 29,000 | 45,000 | 47,000 |
| Net income | 30,000 | 68,000 | 107,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,194,000 | 3,233,000 | 3,271,000 | 3,196,000 |
| Total capital | 3,281,000 | 3,322,000 | 3,361,000 | 3,283,000 |
| Risk-weighted assets | 6,898,000 | 7,061,000 | 7,166,000 | 6,928,000 |
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