Call reports 2006
BANCROFT STATE BANK — 2006
What BANCROFT 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 | 52,177,000 | 53,369,000 | 54,419,000 | 58,744,000 |
| Total loans | 36,659,000 | 37,648,000 | 39,935,000 | 40,702,000 |
| Allowance for loan losses | 464,000 | 447,000 | 448,000 | 444,000 |
| Securities available for sale | 11,980,000 | 11,814,000 | 10,468,000 | 10,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,539,000 | 47,623,000 | 48,381,000 | 52,830,000 |
| Interest-bearing deposits | 39,533,000 | 40,836,000 | 41,898,000 | 44,318,000 |
| Noninterest-bearing deposits | 7,007,000 | 6,787,000 | 6,483,000 | 8,512,000 |
| Equity capital | 4,934,000 | 4,903,000 | 5,280,000 | 4,925,000 |
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 | 796,000 | 1,623,000 | 2,499,000 | 3,408,000 |
| Interest expense | 270,000 | 580,000 | 931,000 | 1,325,000 |
| Net interest income | 526,000 | 1,043,000 | 1,568,000 | 2,083,000 |
| Noninterest income | 39,000 | 85,000 | 132,000 | 186,000 |
| Noninterest expense | 375,000 | 714,000 | 1,066,000 | 1,513,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 190,000 | 414,000 | 634,000 | 756,000 |
| Income tax | 0 | 2,000 | 0 | 0 |
| Net income | 190,000 | 412,000 | 634,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,105,000 | 5,161,000 | 5,383,000 | 5,022,000 |
| Total capital | 5,550,000 | 5,608,000 | 5,831,000 | 5,466,000 |
| Risk-weighted assets | 35,602,000 | 36,427,000 | 38,218,000 | 39,429,000 |
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