Call reports 2006
MEDINA VALLEY STATE BANK — 2006
What MEDINA VALLEY 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 | 74,869,000 | 72,705,000 | 73,986,000 | 76,541,000 |
| Total loans | 19,677,000 | 19,328,000 | 19,346,000 | 20,382,000 |
| Allowance for loan losses | 488,000 | 468,000 | 432,000 | 414,000 |
| Securities available for sale | 37,705,000 | 38,283,000 | 38,806,000 | 38,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,640,000 | 64,385,000 | 65,354,000 | 67,927,000 |
| Interest-bearing deposits | 53,930,000 | 52,131,000 | 50,211,000 | 54,197,000 |
| Noninterest-bearing deposits | 12,710,000 | 12,254,000 | 15,143,000 | 13,730,000 |
| Equity capital | 7,658,000 | 7,639,000 | 7,919,000 | 8,045,000 |
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 | 956,000 | 1,920,000 | 2,892,000 | 3,913,000 |
| Interest expense | 295,000 | 619,000 | 950,000 | 1,328,000 |
| Net interest income | 661,000 | 1,301,000 | 1,942,000 | 2,585,000 |
| Noninterest income | 209,000 | 427,000 | 629,000 | 849,000 |
| Noninterest expense | 560,000 | 1,160,000 | 1,759,000 | 2,387,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 280,000 | 508,000 | 722,000 | 927,000 |
| Income tax | -20,000 | 51,000 | 99,000 | 147,000 |
| Net income | 300,000 | 457,000 | 623,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,223,000 | 8,381,000 | 8,346,000 | 8,354,000 |
| Total capital | 8,584,000 | 8,737,000 | 8,704,000 | 8,720,000 |
| Risk-weighted assets | 28,815,000 | 28,380,000 | 28,596,000 | 29,273,000 |