Call reports 2006
DURAND STATE BANK — 2006
What DURAND 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 | 76,416,000 | 79,304,000 | 79,951,000 | 79,499,000 |
| Total loans | 44,259,000 | 45,586,000 | 47,635,000 | 47,560,000 |
| Allowance for loan losses | 470,000 | 446,000 | 471,000 | 460,000 |
| Securities available for sale | 25,284,000 | 24,802,000 | 26,239,000 | 26,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,414,000 | 68,492,000 | 69,147,000 | 68,550,000 |
| Interest-bearing deposits | 60,859,000 | 61,735,000 | 63,765,000 | 63,300,000 |
| Noninterest-bearing deposits | 5,555,000 | 6,756,000 | 5,382,000 | 5,251,000 |
| Equity capital | 6,116,000 | 5,992,000 | 6,435,000 | 6,501,000 |
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 | 1,058,000 | 2,159,000 | 3,349,000 | 4,563,000 |
| Interest expense | 427,000 | 891,000 | 1,448,000 | 2,018,000 |
| Net interest income | 631,000 | 1,268,000 | 1,901,000 | 2,545,000 |
| Noninterest income | 88,000 | 186,000 | 281,000 | 401,000 |
| Noninterest expense | 595,000 | 1,103,000 | 1,649,000 | 2,205,000 |
| Provision for loan losses | 30,000 | 220,000 | 243,000 | 250,000 |
| Pretax income | 94,000 | 131,000 | 290,000 | 491,000 |
| Income tax | 26,000 | 21,000 | 44,000 | 91,000 |
| Net income | 68,000 | 110,000 | 246,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,425,000 | 6,467,000 | 6,603,000 | 6,660,000 |
| Total capital | 6,895,000 | 6,913,000 | 7,074,000 | 7,120,000 |
| Risk-weighted assets | 53,654,000 | 54,951,000 | 56,353,000 | 55,410,000 |
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