Call reports 2006
STATE BANK OF TOWER — 2006
What STATE BANK OF TOWER 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 | 48,670,000 | 51,827,000 | 52,771,000 | 52,234,000 |
| Total loans | 43,964,000 | 45,078,000 | 45,216,000 | 43,977,000 |
| Allowance for loan losses | 369,000 | 385,000 | 393,000 | 417,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,401,000 | 47,524,000 | 48,466,000 | 47,918,000 |
| Interest-bearing deposits | 34,297,000 | 35,719,000 | 37,291,000 | 38,151,000 |
| Noninterest-bearing deposits | 9,104,000 | 11,805,000 | 11,175,000 | 9,767,000 |
| Equity capital | 4,157,000 | 4,073,000 | 4,048,000 | 4,062,000 |
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 | 749,000 | 1,553,000 | 2,403,000 | 3,292,000 |
| Interest expense | 199,000 | 432,000 | 705,000 | 992,000 |
| Net interest income | 550,000 | 1,121,000 | 1,698,000 | 2,300,000 |
| Noninterest income | 133,000 | 291,000 | 402,000 | 611,000 |
| Noninterest expense | 498,000 | 957,000 | 1,470,000 | 1,986,000 |
| Provision for loan losses | 7,000 | 31,000 | 51,000 | 121,000 |
| Pretax income | 178,000 | 424,000 | 579,000 | 804,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 424,000 | 579,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,157,000 | 4,073,000 | 4,048,000 | 4,062,000 |
| Total capital | 4,526,000 | 4,458,000 | 4,441,000 | 4,479,000 |
| Risk-weighted assets | 41,673,000 | 42,811,000 | 43,315,000 | 42,526,000 |