Call reports 2006
STATE BANK OF CARBONDALE — 2006
What STATE BANK OF CARBONDALE 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 | 15,712,000 | 16,087,000 | 15,511,000 | 15,319,000 |
| Total loans | 8,857,000 | 9,354,000 | 9,635,000 | 9,403,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 4,312,000 | 4,389,000 | 3,811,000 | 3,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,199,000 | 14,556,000 | 13,914,000 | 13,695,000 |
| Interest-bearing deposits | 11,144,000 | 11,771,000 | 11,265,000 | 10,945,000 |
| Noninterest-bearing deposits | 3,055,000 | 2,785,000 | 2,649,000 | 2,750,000 |
| Equity capital | 1,317,000 | 1,332,000 | 1,379,000 | 1,401,000 |
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 | 210,000 | 436,000 | 678,000 | 928,000 |
| Interest expense | 60,000 | 131,000 | 210,000 | 290,000 |
| Net interest income | 150,000 | 305,000 | 468,000 | 638,000 |
| Noninterest income | 34,000 | 67,000 | 102,000 | 132,000 |
| Noninterest expense | 168,000 | 336,000 | 506,000 | 684,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 36,000 | 64,000 | 86,000 |
| Income tax | 2,000 | 5,000 | 10,000 | 13,000 |
| Net income | 14,000 | 31,000 | 54,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,351,000 | 1,368,000 | 1,392,000 | 1,410,000 |
| Total capital | 1,463,000 | 1,485,000 | 1,509,000 | 1,525,000 |
| Risk-weighted assets | 8,921,000 | 9,313,000 | 9,380,000 | 9,159,000 |