Call reports 2006
DECATUR COUNTY BANK — 2006
What DECATUR COUNTY 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 | 84,113,000 | 85,266,000 | 84,901,000 | 84,585,000 |
| Total loans | 34,985,000 | 36,586,000 | 41,662,000 | 40,785,000 |
| Allowance for loan losses | 514,000 | 517,000 | 510,000 | 498,000 |
| Securities available for sale | 40,391,000 | 42,202,000 | 35,733,000 | 37,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,844,000 | 57,848,000 | 60,511,000 | 59,974,000 |
| Interest-bearing deposits | 49,241,000 | 49,288,000 | 50,296,000 | 50,766,000 |
| Noninterest-bearing deposits | 9,603,000 | 8,560,000 | 10,215,000 | 9,208,000 |
| Equity capital | 9,929,000 | 9,614,000 | 10,496,000 | 10,816,000 |
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 | 1,190,000 | 2,459,000 | 3,822,000 | 5,214,000 |
| Interest expense | 515,000 | 1,068,000 | 1,663,000 | 2,267,000 |
| Net interest income | 675,000 | 1,391,000 | 2,159,000 | 2,947,000 |
| Noninterest income | 112,000 | 238,000 | 341,000 | 518,000 |
| Noninterest expense | 601,000 | 1,206,000 | 1,793,000 | 2,588,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 166,000 | 403,000 | 638,000 | 805,000 |
| Income tax | 10,000 | 21,000 | 33,000 | 45,000 |
| Net income | 156,000 | 382,000 | 605,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,837,000 | 10,959,000 | 11,131,000 | 11,286,000 |
| Total capital | 11,351,000 | 11,476,000 | 11,641,000 | 11,784,000 |
| Risk-weighted assets | 44,704,000 | 46,187,000 | 49,657,000 | 49,232,000 |