Call reports 2006
STATE BANK OF CERRO GORDO — 2006
What STATE BANK OF CERRO GORDO 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 | 23,493,000 | 23,552,000 | 24,958,000 | 24,119,000 |
| Total loans | 13,165,000 | 13,100,000 | 13,029,000 | 12,427,000 |
| Allowance for loan losses | 140,000 | 139,000 | 140,000 | 144,000 |
| Securities available for sale | 1,647,000 | 1,415,000 | 1,366,000 | 1,379,000 |
| Securities held to maturity | 5,886,000 | 5,418,000 | 4,608,000 | 5,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,788,000 | 18,835,000 | 20,110,000 | 19,407,000 |
| Interest-bearing deposits | 16,568,000 | 16,849,000 | 18,084,000 | 17,297,000 |
| Noninterest-bearing deposits | 2,220,000 | 1,986,000 | 2,026,000 | 2,110,000 |
| Equity capital | 3,869,000 | 3,901,000 | 3,985,000 | 3,895,000 |
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 | 311,000 | 620,000 | 955,000 | 1,307,000 |
| Interest expense | 110,000 | 220,000 | 342,000 | 488,000 |
| Net interest income | 201,000 | 400,000 | 613,000 | 819,000 |
| Noninterest income | 41,000 | 81,000 | 121,000 | 163,000 |
| Noninterest expense | 182,000 | 365,000 | 549,000 | 737,000 |
| Provision for loan losses | 0 | 0 | 0 | 8,000 |
| Pretax income | 60,000 | 116,000 | 185,000 | 237,000 |
| Income tax | 14,000 | 27,000 | 44,000 | 53,000 |
| Net income | 46,000 | 89,000 | 141,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,303,000 | 3,340,000 | 3,409,000 | 3,317,000 |
| Total capital | 3,443,000 | 3,479,000 | 3,559,000 | 3,474,000 |
| Risk-weighted assets | 12,940,000 | 13,057,000 | 13,416,000 | 13,030,000 |
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