Call reports 2006
PECOS COUNTY STATE BANK, THE — 2006
What PECOS COUNTY STATE 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 | 98,056,000 | 93,228,000 | 89,571,000 | 94,272,000 |
| Total loans | 41,790,000 | 42,249,000 | 38,575,000 | 42,462,000 |
| Allowance for loan losses | 527,000 | 611,000 | 479,000 | 531,000 |
| Securities available for sale | 47,802,000 | 42,797,000 | 43,570,000 | 43,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,484,000 | 82,382,000 | 79,917,000 | 84,030,000 |
| Interest-bearing deposits | 65,842,000 | 60,596,000 | 60,078,000 | 64,149,000 |
| Noninterest-bearing deposits | 22,643,000 | 21,786,000 | 19,839,000 | 19,881,000 |
| Equity capital | 7,104,000 | 6,543,000 | 7,018,000 | 7,471,000 |
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 | 1,527,000 | 3,048,000 | 4,544,000 | 6,045,000 |
| Interest expense | 510,000 | 1,043,000 | 1,577,000 | 2,080,000 |
| Net interest income | 1,017,000 | 2,005,000 | 2,967,000 | 3,965,000 |
| Noninterest income | 212,000 | 435,000 | 679,000 | 931,000 |
| Noninterest expense | 733,000 | 1,473,000 | 2,219,000 | 2,907,000 |
| Provision for loan losses | 120,000 | 180,000 | 470,000 | 520,000 |
| Pretax income | 374,000 | 774,000 | 944,000 | 1,456,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 374,000 | 774,000 | 944,000 | 1,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,416,000 | 8,498,000 | 8,343,000 | 8,450,000 |
| Total capital | 8,943,000 | 9,107,000 | 8,822,000 | 8,981,000 |
| Risk-weighted assets | 50,092,000 | 49,663,000 | 41,905,000 | 48,471,000 |