Call reports 2006
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2006
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 85,416,000 | 75,746,000 | 75,322,000 | 81,375,000 |
| Total loans | 48,636,000 | 50,293,000 | 51,117,000 | 50,581,000 |
| Allowance for loan losses | 430,000 | 454,000 | 483,000 | 542,000 |
| Securities available for sale | 17,928,000 | 17,954,000 | 18,078,000 | 18,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,033,000 | 65,124,000 | 61,766,000 | 70,078,000 |
| Interest-bearing deposits | 55,500,000 | 51,473,000 | 48,946,000 | 57,271,000 |
| Noninterest-bearing deposits | 19,533,000 | 13,651,000 | 12,820,000 | 12,807,000 |
| Equity capital | 9,808,000 | 10,092,000 | 10,485,000 | 10,632,000 |
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 | 1,343,000 | 2,782,000 | 4,192,000 | 5,705,000 |
| Interest expense | 473,000 | 939,000 | 1,412,000 | 1,915,000 |
| Net interest income | 870,000 | 1,843,000 | 2,780,000 | 3,790,000 |
| Noninterest income | 103,000 | 211,000 | 322,000 | 422,000 |
| Noninterest expense | 573,000 | 1,228,000 | 1,781,000 | 2,551,000 |
| Provision for loan losses | 30,000 | 70,000 | 100,000 | 180,000 |
| Pretax income | 370,000 | 756,000 | 1,221,000 | 1,481,000 |
| Income tax | 122,000 | 210,000 | 356,000 | 533,000 |
| Net income | 248,000 | 546,000 | 865,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,614,000 | 9,885,000 | 10,618,000 | 10,701,000 |
| Total capital | 10,044,000 | 10,339,000 | 11,101,000 | 11,243,000 |
| Risk-weighted assets | 59,873,000 | 59,194,000 | 55,574,000 | 56,760,000 |