Call reports 2006
COLCHESTER STATE BANK — 2006
What COLCHESTER 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 | 36,622,000 | 37,031,000 | 35,752,000 | 36,639,000 |
| Total loans | 20,474,000 | 20,842,000 | 21,188,000 | 21,012,000 |
| Allowance for loan losses | 512,000 | 508,000 | 503,000 | 541,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,791,000 | 7,260,000 | 7,980,000 | 8,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,894,000 | 33,154,000 | 31,671,000 | 32,607,000 |
| Interest-bearing deposits | 27,318,000 | 28,305,000 | 27,841,000 | 28,386,000 |
| Noninterest-bearing deposits | 5,576,000 | 4,849,000 | 3,830,000 | 4,221,000 |
| Equity capital | 3,477,000 | 3,562,000 | 3,715,000 | 3,640,000 |
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 | 499,000 | 1,025,000 | 1,591,000 | 2,141,000 |
| Interest expense | 189,000 | 393,000 | 614,000 | 855,000 |
| Net interest income | 310,000 | 632,000 | 977,000 | 1,286,000 |
| Noninterest income | 52,000 | 128,000 | 199,000 | 261,000 |
| Noninterest expense | 164,000 | 332,000 | 510,000 | 749,000 |
| Provision for loan losses | 20,000 | 120,000 | 160,000 | 380,000 |
| Pretax income | 178,000 | 308,000 | 506,000 | 418,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 122,000 |
| Net income | 133,000 | 218,000 | 371,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,477,000 | 3,562,000 | 3,715,000 | 3,640,000 |
| Total capital | 3,733,000 | 3,823,000 | 3,987,000 | 3,903,000 |
| Risk-weighted assets | 20,802,000 | 20,962,000 | 20,740,000 | 20,527,000 |