Call reports 2006
DOGWOOD STATE BANK — 2006
What DOGWOOD STATE 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 | 93,582,000 | 99,288,000 | 100,866,000 | 101,494,000 |
| Total loans | 71,202,000 | 74,906,000 | 75,995,000 | 80,985,000 |
| Allowance for loan losses | 894,000 | 956,000 | 999,000 | 1,058,000 |
| Securities available for sale | 11,295,000 | 10,509,000 | 13,064,000 | 12,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,282,000 | 88,752,000 | 89,815,000 | 89,906,000 |
| Interest-bearing deposits | 69,642,000 | 72,834,000 | 75,835,000 | 75,272,000 |
| Noninterest-bearing deposits | 15,640,000 | 15,918,000 | 13,980,000 | 14,634,000 |
| Equity capital | 7,421,000 | 7,699,000 | 8,050,000 | 8,378,000 |
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 | 1,530,000 | 3,229,000 | 5,030,000 | 6,884,000 |
| Interest expense | 561,000 | 1,221,000 | 2,034,000 | 2,869,000 |
| Net interest income | 969,000 | 2,008,000 | 2,996,000 | 4,015,000 |
| Noninterest income | 165,000 | 361,000 | 583,000 | 746,000 |
| Noninterest expense | 775,000 | 1,563,000 | 2,409,000 | 3,101,000 |
| Provision for loan losses | 42,000 | 71,000 | 113,000 | 172,000 |
| Pretax income | 317,000 | 735,000 | 1,057,000 | 1,454,000 |
| Income tax | 124,000 | 281,000 | 397,000 | 537,000 |
| Net income | 193,000 | 454,000 | 660,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,566,000 | 7,906,000 | 8,155,000 | 8,425,000 |
| Total capital | 8,460,000 | 10,862,000 | 11,154,000 | 11,483,000 |
| Risk-weighted assets | 73,930,000 | 79,723,000 | 80,651,000 | 85,192,000 |