Call reports 2006
STATE GUARANTY BANK — 2006
What STATE GUARANTY 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 | 31,457,000 | 30,794,000 | 30,512,000 | 30,982,000 |
| Total loans | 12,541,000 | 12,302,000 | 12,277,000 | 12,243,000 |
| Allowance for loan losses | 157,000 | 158,000 | 157,000 | 151,000 |
| Securities available for sale | 16,371,000 | 15,909,000 | 15,695,000 | 15,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,680,000 | 27,167,000 | 26,627,000 | 26,583,000 |
| Interest-bearing deposits | 24,490,000 | 23,807,000 | 23,003,000 | 22,979,000 |
| Noninterest-bearing deposits | 3,190,000 | 3,360,000 | 3,624,000 | 3,604,000 |
| Equity capital | 3,559,000 | 3,551,000 | 3,756,000 | 3,638,000 |
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 | 415,000 | 834,000 | 1,270,000 | 1,704,000 |
| Interest expense | 176,000 | 373,000 | 573,000 | 782,000 |
| Net interest income | 239,000 | 461,000 | 697,000 | 922,000 |
| Noninterest income | 91,000 | 179,000 | 267,000 | 352,000 |
| Noninterest expense | 246,000 | 473,000 | 714,000 | 954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 167,000 | 250,000 | 320,000 |
| Income tax | 20,000 | 36,000 | 52,000 | 62,000 |
| Net income | 64,000 | 131,000 | 198,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,772,000 | 3,839,000 | 3,906,000 | 3,766,000 |
| Total capital | 3,929,000 | 3,997,000 | 4,063,000 | 3,917,000 |
| Risk-weighted assets | 17,779,000 | 17,579,000 | 17,486,000 | 17,487,000 |
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