Call reports 2006
FREEDOM BANK OF SOUTHERN MISSOURI — 2006
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 68,286,000 | 66,652,000 | 70,557,000 | 73,867,000 |
| Total loans | 56,615,000 | 58,032,000 | 60,378,000 | 62,586,000 |
| Allowance for loan losses | 661,000 | 667,000 | 729,000 | 744,000 |
| Securities available for sale | 5,108,000 | 5,213,000 | 5,168,000 | 5,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,435,000 | 59,738,000 | 63,485,000 | 66,648,000 |
| Interest-bearing deposits | 54,169,000 | 53,936,000 | 57,285,000 | 61,238,000 |
| Noninterest-bearing deposits | 7,266,000 | 5,802,000 | 6,200,000 | 5,410,000 |
| Equity capital | 5,387,000 | 5,549,000 | 5,804,000 | 5,844,000 |
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 | 1,158,000 | 2,382,000 | 3,656,000 | 5,021,000 |
| Interest expense | 463,000 | 968,000 | 1,523,000 | 2,162,000 |
| Net interest income | 695,000 | 1,414,000 | 2,133,000 | 2,859,000 |
| Noninterest income | 131,000 | 261,000 | 395,000 | 525,000 |
| Noninterest expense | 462,000 | 935,000 | 1,449,000 | 2,019,000 |
| Provision for loan losses | 26,000 | 50,000 | 109,000 | 129,000 |
| Pretax income | 338,000 | 690,000 | 970,000 | 1,236,000 |
| Income tax | 122,000 | 247,000 | 348,000 | 443,000 |
| Net income | 216,000 | 443,000 | 622,000 | 793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,460,000 | 5,663,000 | 5,851,000 | 5,877,000 |
| Total capital | 6,121,000 | 6,301,000 | 6,526,000 | 6,603,000 |
| Risk-weighted assets | 52,446,000 | 50,985,000 | 53,985,000 | 58,041,000 |