Call reports 2006
SAVINGS BANK, THE — 2006
What SAVINGS BANK, THE 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 | 400,065,000 | 399,432,000 | 392,495,000 | 392,103,000 |
| Total loans | 163,703,000 | 168,760,000 | 173,865,000 | 177,085,000 |
| Allowance for loan losses | 1,421,000 | 1,565,000 | 1,662,000 | 1,777,000 |
| Securities available for sale | 129,622,000 | 126,126,000 | 117,011,000 | 111,000,000 |
| Securities held to maturity | 58,617,000 | 56,086,000 | 52,267,000 | 48,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,908,000 | 346,317,000 | 337,891,000 | 336,583,000 |
| Interest-bearing deposits | 312,957,000 | 313,184,000 | 302,523,000 | 299,894,000 |
| Noninterest-bearing deposits | 33,951,000 | 33,133,000 | 35,368,000 | 36,689,000 |
| Equity capital | 52,338,000 | 52,164,000 | 53,257,000 | 53,792,000 |
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 | 4,151,000 | 8,393,000 | 12,772,000 | 17,097,000 |
| Interest expense | 1,606,000 | 3,404,000 | 5,390,000 | 7,460,000 |
| Net interest income | 2,545,000 | 4,989,000 | 7,382,000 | 9,637,000 |
| Noninterest income | 1,410,000 | 2,646,000 | 3,872,000 | 5,194,000 |
| Noninterest expense | 3,933,000 | 7,546,000 | 11,374,000 | 15,045,000 |
| Provision for loan losses | -2,000 | 145,000 | 243,000 | 358,000 |
| Pretax income | 72,000 | -80,000 | -434,000 | -615,000 |
| Income tax | 35,000 | -37,000 | -166,000 | -197,000 |
| Net income | 37,000 | -43,000 | -268,000 | -418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,505,000 | 46,557,000 | 46,483,000 | 46,484,000 |
| Total capital | 49,429,000 | 49,661,000 | 50,037,000 | 50,538,000 |
| Risk-weighted assets | 214,430,000 | 218,964,000 | 218,074,000 | 221,063,000 |