Call reports 2006
DECATUR STATE BANK — 2006
What DECATUR 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 | 186,128,000 | 190,753,000 | 188,769,000 | 190,514,000 |
| Total loans | 127,536,000 | 133,062,000 | 135,026,000 | 137,275,000 |
| Allowance for loan losses | 1,194,000 | 1,343,000 | 1,470,000 | 1,504,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 46,809,000 | 42,599,000 | 39,070,000 | 37,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,981,000 | 135,691,000 | 132,942,000 | 134,562,000 |
| Interest-bearing deposits | 109,301,000 | 121,279,000 | 120,358,000 | 121,412,000 |
| Noninterest-bearing deposits | 14,680,000 | 14,412,000 | 12,584,000 | 13,150,000 |
| Equity capital | 20,342,000 | 20,415,000 | 20,813,000 | 20,970,000 |
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 | 3,014,000 | 6,047,000 | 9,415,000 | 12,850,000 |
| Interest expense | 1,348,000 | 2,755,000 | 4,358,000 | 6,008,000 |
| Net interest income | 1,666,000 | 3,292,000 | 5,057,000 | 6,842,000 |
| Noninterest income | 375,000 | 779,000 | 1,260,000 | 1,746,000 |
| Noninterest expense | 1,109,000 | 2,315,000 | 3,517,000 | 4,706,000 |
| Provision for loan losses | 65,000 | 215,000 | 365,000 | 515,000 |
| Pretax income | 867,000 | 1,541,000 | 2,435,000 | 3,367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 867,000 | 1,541,000 | 2,435,000 | 3,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,342,000 | 20,415,000 | 20,813,000 | 20,970,000 |
| Total capital | 21,536,000 | 21,758,000 | 22,283,000 | 22,474,000 |
| Risk-weighted assets | 130,737,000 | 141,521,000 | 137,968,000 | 139,733,000 |