Call reports 2006
BANK OF ST. FRANCISVILLE — 2006
What BANK OF ST. FRANCISVILLE 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 | 62,223,000 | 63,127,000 | 64,822,000 | 67,201,000 |
| Total loans | 38,628,000 | 42,402,000 | 47,330,000 | 51,109,000 |
| Allowance for loan losses | 790,000 | 804,000 | 817,000 | 812,000 |
| Securities available for sale | 10,271,000 | 10,813,000 | 9,777,000 | 10,069,000 |
| Securities held to maturity | 614,000 | 613,000 | 613,000 | 612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,641,000 | 57,443,000 | 58,707,000 | 58,799,000 |
| Interest-bearing deposits | 39,949,000 | 41,748,000 | 39,825,000 | 41,058,000 |
| Noninterest-bearing deposits | 16,692,000 | 15,695,000 | 18,882,000 | 17,741,000 |
| Equity capital | 4,472,000 | 4,440,000 | 4,762,000 | 5,183,000 |
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 | 989,000 | 2,038,000 | 3,152,000 | 4,328,000 |
| Interest expense | 227,000 | 483,000 | 768,000 | 1,065,000 |
| Net interest income | 762,000 | 1,555,000 | 2,384,000 | 3,263,000 |
| Noninterest income | 228,000 | 473,000 | 753,000 | 1,119,000 |
| Noninterest expense | 670,000 | 1,353,000 | 2,082,000 | 2,880,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 126,000 |
| Pretax income | 296,000 | 627,000 | 983,000 | 1,376,000 |
| Income tax | 0 | 2,000 | 8,000 | 8,000 |
| Net income | 296,000 | 625,000 | 975,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,768,000 | 4,897,000 | 4,997,000 | 5,390,000 |
| Total capital | 5,225,000 | 5,378,000 | 5,532,000 | 5,955,000 |
| Risk-weighted assets | 36,242,000 | 38,181,000 | 42,555,000 | 44,944,000 |