Call reports 2006
SB&T BANK — 2006
What SB&T 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 | 370,040,000 | 372,405,000 | 378,454,000 | 386,375,000 |
| Total loans | 306,813,000 | 305,031,000 | 310,556,000 | 320,238,000 |
| Allowance for loan losses | 5,729,000 | 5,528,000 | 5,888,000 | 5,871,000 |
| Securities available for sale | 42,208,000 | 43,293,000 | 44,788,000 | 42,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,227,000 | 299,046,000 | 296,047,000 | 300,820,000 |
| Interest-bearing deposits | 238,664,000 | 240,394,000 | 243,732,000 | 247,513,000 |
| Noninterest-bearing deposits | 61,563,000 | 58,652,000 | 52,315,000 | 53,307,000 |
| Equity capital | 28,512,000 | 28,762,000 | 29,591,000 | 30,050,000 |
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 | 6,108,000 | 12,489,000 | 19,126,000 | 26,025,000 |
| Interest expense | 2,211,000 | 4,528,000 | 7,173,000 | 10,006,000 |
| Net interest income | 3,897,000 | 7,961,000 | 11,953,000 | 16,019,000 |
| Noninterest income | 631,000 | 1,331,000 | 2,043,000 | 2,718,000 |
| Noninterest expense | 1,965,000 | 3,861,000 | 5,883,000 | 7,963,000 |
| Provision for loan losses | 575,000 | 1,380,000 | 2,055,000 | 2,590,000 |
| Pretax income | 1,988,000 | 4,051,000 | 6,058,000 | 8,184,000 |
| Income tax | 746,000 | 1,502,000 | 2,234,000 | 3,046,000 |
| Net income | 1,242,000 | 2,549,000 | 3,824,000 | 5,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,051,000 | 29,469,000 | 29,861,000 | 30,293,000 |
| Total capital | 32,993,000 | 33,355,000 | 33,829,000 | 34,365,000 |
| Risk-weighted assets | 313,588,000 | 309,237,000 | 315,472,000 | 324,019,000 |