Call reports 2006
STATE BANK OF DANVERS — 2006
What STATE BANK OF DANVERS 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 | 35,724,000 | 35,509,000 | 38,682,000 | 38,994,000 |
| Total loans | 21,664,000 | 23,825,000 | 24,129,000 | 26,555,000 |
| Allowance for loan losses | 649,000 | 686,000 | 718,000 | 724,000 |
| Securities available for sale | 8,980,000 | 8,814,000 | 9,253,000 | 9,063,000 |
| Securities held to maturity | 136,000 | 383,000 | 379,000 | 356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,337,000 | 28,509,000 | 31,023,000 | 31,368,000 |
| Interest-bearing deposits | 25,853,000 | 24,514,000 | 26,129,000 | 24,362,000 |
| Noninterest-bearing deposits | 5,484,000 | 3,995,000 | 4,894,000 | 7,006,000 |
| Equity capital | 3,939,000 | 4,059,000 | 4,240,000 | 4,027,000 |
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 | 552,000 | 1,193,000 | 1,829,000 | 2,436,000 |
| Interest expense | 164,000 | 344,000 | 561,000 | 790,000 |
| Net interest income | 388,000 | 849,000 | 1,268,000 | 1,646,000 |
| Noninterest income | 24,000 | 30,000 | 50,000 | 67,000 |
| Noninterest expense | 253,000 | 498,000 | 757,000 | 1,219,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 381,000 | 561,000 | 494,000 |
| Income tax | 55,000 | 135,000 | 194,000 | 182,000 |
| Net income | 104,000 | 246,000 | 367,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,045,000 | 4,188,000 | 4,308,000 | 4,088,000 |
| Total capital | 4,375,000 | 4,539,000 | 4,671,000 | 4,473,000 |
| Risk-weighted assets | 26,102,000 | 27,772,000 | 28,663,000 | 30,460,000 |
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