Call reports 2006
DEFIANCE STATE BANK — 2006
What DEFIANCE 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 | 22,861,000 | 22,205,000 | 23,093,000 | 22,507,000 |
| Total loans | 16,128,000 | 16,380,000 | 18,186,000 | 17,248,000 |
| Allowance for loan losses | 169,000 | 194,000 | 194,000 | 191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,000 | 16,000 | 14,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,082,000 | 16,980,000 | 15,906,000 | 17,222,000 |
| Interest-bearing deposits | 16,341,000 | 16,217,000 | 15,041,000 | 15,935,000 |
| Noninterest-bearing deposits | 741,000 | 763,000 | 865,000 | 1,287,000 |
| Equity capital | 1,988,000 | 1,936,000 | 2,036,000 | 2,014,000 |
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 | 349,000 | 709,000 | 1,089,000 | 1,475,000 |
| Interest expense | 126,000 | 265,000 | 412,000 | 564,000 |
| Net interest income | 223,000 | 444,000 | 677,000 | 911,000 |
| Noninterest income | 24,000 | 52,000 | 79,000 | 107,000 |
| Noninterest expense | 187,000 | 361,000 | 519,000 | 800,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 60,000 | 110,000 | 212,000 | 193,000 |
| Income tax | 0 | 2,000 | 4,000 | 7,000 |
| Net income | 60,000 | 108,000 | 208,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,988,000 | 1,936,000 | 2,036,000 | 2,014,000 |
| Total capital | 2,157,000 | 2,130,000 | 2,230,000 | 2,205,000 |
| Risk-weighted assets | 16,348,000 | 16,492,000 | 18,253,000 | 17,487,000 |