Call reports 2006
STATE BANK OF SLATER — 2006
What STATE BANK OF SLATER 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 | 35,133,000 | 35,096,000 | 34,797,000 | 34,901,000 |
| Total loans | 25,508,000 | 26,356,000 | 26,175,000 | 25,700,000 |
| Allowance for loan losses | 287,000 | 288,000 | 288,000 | 301,000 |
| Securities available for sale | 5,094,000 | 5,538,000 | 5,137,000 | 5,436,000 |
| Securities held to maturity | 598,000 | 597,000 | 557,000 | 663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,722,000 | 30,427,000 | 30,254,000 | 30,161,000 |
| Interest-bearing deposits | 26,885,000 | 26,605,000 | 26,387,000 | 26,104,000 |
| Noninterest-bearing deposits | 3,837,000 | 3,822,000 | 3,867,000 | 4,057,000 |
| Equity capital | 3,752,000 | 3,817,000 | 3,861,000 | 3,961,000 |
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 | 506,000 | 1,036,000 | 1,588,000 | 2,175,000 |
| Interest expense | 157,000 | 319,000 | 496,000 | 677,000 |
| Net interest income | 349,000 | 717,000 | 1,092,000 | 1,498,000 |
| Noninterest income | 19,000 | 42,000 | 65,000 | 94,000 |
| Noninterest expense | 273,000 | 551,000 | 819,000 | 1,113,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 87,000 | 200,000 | 330,000 | 471,000 |
| Income tax | 29,000 | 68,000 | 114,000 | 164,000 |
| Net income | 58,000 | 132,000 | 216,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,808,000 | 3,883,000 | 3,891,000 | 3,983,000 |
| Total capital | 4,095,000 | 4,171,000 | 4,179,000 | 4,284,000 |
| Risk-weighted assets | 26,272,000 | 27,135,000 | 26,708,000 | 26,456,000 |