Call reports 2006
STANDARD BANK — 2006
What STANDARD 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 | 322,410,000 | 324,076,000 | 328,092,000 | 329,350,000 |
| Total loans | 193,449,000 | 203,663,000 | 208,076,000 | 216,780,000 |
| Allowance for loan losses | 2,544,000 | 2,546,000 | 2,423,000 | 2,432,000 |
| Securities available for sale | 41,093,000 | 35,724,000 | 39,883,000 | 37,023,000 |
| Securities held to maturity | 38,060,000 | 36,172,000 | 34,289,000 | 32,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,051,000 | 260,543,000 | 263,597,000 | 264,493,000 |
| Interest-bearing deposits | 239,921,000 | 239,370,000 | 238,314,000 | 244,411,000 |
| Noninterest-bearing deposits | 19,130,000 | 21,173,000 | 25,283,000 | 20,082,000 |
| Equity capital | 36,059,000 | 35,984,000 | 37,181,000 | 37,660,000 |
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 | 3,974,000 | 8,180,000 | 12,525,000 | 16,970,000 |
| Interest expense | 2,068,000 | 4,237,000 | 6,524,000 | 8,952,000 |
| Net interest income | 1,906,000 | 3,943,000 | 6,001,000 | 8,018,000 |
| Noninterest income | 422,000 | 863,000 | 1,350,000 | 1,842,000 |
| Noninterest expense | 2,223,000 | 4,204,000 | 6,168,000 | 8,115,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 14,000 |
| Pretax income | 447,000 | 967,000 | 1,540,000 | 2,096,000 |
| Income tax | 84,000 | 194,000 | 310,000 | 415,000 |
| Net income | 363,000 | 773,000 | 1,230,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,747,000 | 24,256,000 | 24,773,000 | 25,292,000 |
| Total capital | 26,916,000 | 27,372,000 | 28,085,000 | 28,740,000 |
| Risk-weighted assets | 179,973,000 | 188,073,000 | 188,475,000 | 194,060,000 |