Call reports 2006
FORD COUNTY STATE BANK — 2006
What FORD COUNTY 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 | 24,563,000 | 23,304,000 | 22,460,000 | 22,691,000 |
| Total loans | 14,166,000 | 13,760,000 | 14,276,000 | 15,213,000 |
| Allowance for loan losses | 272,000 | 270,000 | 272,000 | 279,000 |
| Securities available for sale | 6,695,000 | 6,627,000 | 6,505,000 | 6,512,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,477,000 | 20,207,000 | 19,200,000 | 19,058,000 |
| Interest-bearing deposits | 19,039,000 | 17,815,000 | 16,853,000 | 16,767,000 |
| Noninterest-bearing deposits | 2,438,000 | 2,392,000 | 2,347,000 | 2,291,000 |
| Equity capital | 2,902,000 | 2,921,000 | 3,054,000 | 3,114,000 |
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 | 344,000 | 680,000 | 1,045,000 | 1,409,000 |
| Interest expense | 89,000 | 187,000 | 319,000 | 462,000 |
| Net interest income | 255,000 | 493,000 | 726,000 | 947,000 |
| Noninterest income | 18,000 | 36,000 | 51,000 | 66,000 |
| Noninterest expense | 190,000 | 342,000 | 510,000 | 655,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 83,000 | 187,000 | 267,000 | 328,000 |
| Income tax | 27,000 | 64,000 | 86,000 | 101,000 |
| Net income | 56,000 | 123,000 | 181,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,984,000 | 3,051,000 | 3,108,000 | 3,156,000 |
| Total capital | 3,195,000 | 3,259,000 | 3,317,000 | 3,373,000 |
| Risk-weighted assets | 16,832,000 | 16,604,000 | 16,653,000 | 17,337,000 |