Call reports 2006
CALHOUN COUNTY BANK, INC. — 2006
What CALHOUN COUNTY BANK, INC. 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 | 91,364,000 | 87,685,000 | 88,537,000 | 88,698,000 |
| Total loans | 60,537,000 | 61,365,000 | 63,272,000 | 64,001,000 |
| Allowance for loan losses | 831,000 | 823,000 | 817,000 | 805,000 |
| Securities available for sale | 17,707,000 | 16,696,000 | 13,611,000 | 13,080,000 |
| Securities held to maturity | 695,000 | 695,000 | 695,000 | 695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,582,000 | 77,929,000 | 76,018,000 | 77,108,000 |
| Interest-bearing deposits | 61,953,000 | 60,294,000 | 57,624,000 | 58,507,000 |
| Noninterest-bearing deposits | 19,629,000 | 17,635,000 | 18,394,000 | 18,601,000 |
| Equity capital | 8,332,000 | 8,351,000 | 8,557,000 | 8,563,000 |
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 | 1,348,000 | 2,736,000 | 4,133,000 | 5,591,000 |
| Interest expense | 418,000 | 843,000 | 1,263,000 | 1,743,000 |
| Net interest income | 930,000 | 1,893,000 | 2,870,000 | 3,848,000 |
| Noninterest income | 161,000 | 339,000 | 513,000 | 692,000 |
| Noninterest expense | 763,000 | 1,576,000 | 2,408,000 | 3,352,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 328,000 | 656,000 | 975,000 | 1,188,000 |
| Income tax | 119,000 | 238,000 | 371,000 | 379,000 |
| Net income | 209,000 | 418,000 | 604,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,406,000 | 8,446,000 | 8,632,000 | 8,583,000 |
| Total capital | 9,109,000 | 9,148,000 | 9,348,000 | 9,307,000 |
| Risk-weighted assets | 56,108,000 | 56,013,000 | 57,326,000 | 57,821,000 |