Call reports 2006
PIQUA STATE BANK — 2006
What PIQUA STATE BANK 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 | 21,343,000 | 21,345,000 | 20,838,000 | 21,054,000 |
| Total loans | 9,857,000 | 10,087,000 | 9,913,000 | 9,842,000 |
| Allowance for loan losses | 185,000 | 181,000 | 161,000 | 156,000 |
| Securities available for sale | 5,625,000 | 5,444,000 | 5,278,000 | 5,785,000 |
| Securities held to maturity | 3,815,000 | 3,591,000 | 3,618,000 | 3,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,944,000 | 18,766,000 | 18,302,000 | 18,523,000 |
| Interest-bearing deposits | 13,391,000 | 12,766,000 | 12,952,000 | 13,099,000 |
| Noninterest-bearing deposits | 5,553,000 | 6,000,000 | 5,350,000 | 5,424,000 |
| Equity capital | 2,237,000 | 2,255,000 | 2,354,000 | 2,365,000 |
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 | 298,000 | 601,000 | 907,000 | 1,223,000 |
| Interest expense | 68,000 | 140,000 | 228,000 | 314,000 |
| Net interest income | 230,000 | 461,000 | 679,000 | 909,000 |
| Noninterest income | 33,000 | 68,000 | 99,000 | 126,000 |
| Noninterest expense | 201,000 | 407,000 | 606,000 | 858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 122,000 | 172,000 | 177,000 |
| Income tax | 6,000 | 11,000 | 20,000 | 9,000 |
| Net income | 56,000 | 111,000 | 152,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,352,000 | 2,407,000 | 2,448,000 | 2,407,000 |
| Total capital | 2,496,000 | 2,554,000 | 2,593,000 | 2,552,000 |
| Risk-weighted assets | 11,500,000 | 11,728,000 | 11,605,000 | 11,583,000 |