Call reports 2006
SALT CREEK VALLEY BANK, THE — 2006
What SALT CREEK VALLEY BANK, THE 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 | 34,743,000 | 34,279,000 | 33,675,000 | 34,562,000 |
| Total loans | 21,471,000 | 22,009,000 | 22,081,000 | 22,355,000 |
| Allowance for loan losses | 211,000 | 183,000 | 182,000 | 180,000 |
| Securities available for sale | 8,595,000 | 9,041,000 | 7,906,000 | 8,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,202,000 | 28,560,000 | 29,064,000 | 29,928,000 |
| Interest-bearing deposits | 25,227,000 | 23,569,000 | 24,105,000 | 24,176,000 |
| Noninterest-bearing deposits | 4,975,000 | 4,991,000 | 4,959,000 | 5,752,000 |
| Equity capital | 4,447,000 | 4,418,000 | 4,529,000 | 4,549,000 |
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 | 469,000 | 953,000 | 1,462,000 | 1,988,000 |
| Interest expense | 110,000 | 237,000 | 380,000 | 533,000 |
| Net interest income | 359,000 | 716,000 | 1,082,000 | 1,455,000 |
| Noninterest income | 91,000 | 183,000 | 283,000 | 382,000 |
| Noninterest expense | 359,000 | 709,000 | 1,084,000 | 1,430,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 91,000 | 190,000 | 281,000 | 409,000 |
| Income tax | 27,000 | 57,000 | 85,000 | 125,000 |
| Net income | 64,000 | 133,000 | 196,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,562,000 | 4,541,000 | 4,604,000 | 4,601,000 |
| Total capital | 4,773,000 | 4,724,000 | 4,786,000 | 4,781,000 |
| Risk-weighted assets | 19,544,000 | 19,813,000 | 19,308,000 | 19,359,000 |