Call reports 2006
SILVER FALLS BANK — 2006
What SILVER FALLS 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 | 82,468,000 | 84,224,000 | 90,943,000 | 99,635,000 |
| Total loans | 71,319,000 | 70,296,000 | 81,585,000 | 92,484,000 |
| Allowance for loan losses | 788,000 | 771,000 | 838,000 | 888,000 |
| Securities available for sale | 3,001,000 | 3,627,000 | 3,680,000 | 1,372,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,118,000 | 72,030,000 | 76,568,000 | 80,841,000 |
| Interest-bearing deposits | 64,328,000 | 66,095,000 | 70,295,000 | 74,081,000 |
| Noninterest-bearing deposits | 5,790,000 | 5,935,000 | 6,272,000 | 6,760,000 |
| Equity capital | 8,458,000 | 8,877,000 | 9,427,000 | 9,875,000 |
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 | 1,782,000 | 3,723,000 | 5,915,000 | 8,280,000 |
| Interest expense | 593,000 | 1,248,000 | 1,984,000 | 2,855,000 |
| Net interest income | 1,189,000 | 2,475,000 | 3,931,000 | 5,425,000 |
| Noninterest income | 23,000 | 46,000 | 73,000 | 182,000 |
| Noninterest expense | 635,000 | 1,279,000 | 1,966,000 | 2,814,000 |
| Provision for loan losses | 35,000 | 41,000 | 108,000 | 159,000 |
| Pretax income | 542,000 | 1,201,000 | 1,930,000 | 2,637,000 |
| Income tax | 204,000 | 455,000 | 736,000 | 1,024,000 |
| Net income | 338,000 | 746,000 | 1,194,000 | 1,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,507,000 | 8,940,000 | 9,434,000 | 9,889,000 |
| Total capital | 9,295,000 | 9,711,000 | 10,272,000 | 10,777,000 |
| Risk-weighted assets | 67,371,000 | 67,969,000 | 76,811,000 | 88,505,000 |