Call reports 2006
SOUTH STORY BANK & TRUST — 2006
What SOUTH STORY BANK & TRUST 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 | 45,757,000 | 45,617,000 | 45,957,000 | 46,692,000 |
| Total loans | 22,626,000 | 23,825,000 | 24,496,000 | 24,229,000 |
| Allowance for loan losses | 331,000 | 331,000 | 329,000 | 333,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,745,000 | 19,336,000 | 18,548,000 | 15,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,483,000 | 37,208,000 | 37,363,000 | 37,959,000 |
| Interest-bearing deposits | 31,990,000 | 31,721,000 | 32,028,000 | 32,764,000 |
| Noninterest-bearing deposits | 5,493,000 | 5,487,000 | 5,335,000 | 5,195,000 |
| Equity capital | 8,120,000 | 8,265,000 | 8,434,000 | 8,551,000 |
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 | 553,000 | 1,127,000 | 1,774,000 | 2,422,000 |
| Interest expense | 208,000 | 433,000 | 672,000 | 936,000 |
| Net interest income | 345,000 | 694,000 | 1,102,000 | 1,486,000 |
| Noninterest income | 37,000 | 81,000 | 127,000 | 171,000 |
| Noninterest expense | 234,000 | 435,000 | 648,000 | 860,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 148,000 | 340,000 | 581,000 | 797,000 |
| Income tax | 39,000 | 85,000 | 157,000 | 207,000 |
| Net income | 109,000 | 255,000 | 424,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,120,000 | 8,265,000 | 8,434,000 | 8,551,000 |
| Total capital | 8,451,000 | 8,596,000 | 8,763,000 | 8,884,000 |
| Risk-weighted assets | 29,032,000 | 29,638,000 | 29,770,000 | 28,783,000 |