Call reports 2006
GLASGOW SAVINGS BANK — 2006
What GLASGOW SAVINGS 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 | 29,970,000 | 31,183,000 | 30,392,000 | 30,554,000 |
| Total loans | 13,037,000 | 17,236,000 | 16,444,000 | 17,988,000 |
| Allowance for loan losses | 290,000 | 228,000 | 240,000 | 233,000 |
| Securities available for sale | 11,229,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 9,282,000 | 8,099,000 | 7,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,795,000 | 26,381,000 | 25,556,000 | 24,998,000 |
| Interest-bearing deposits | 23,018,000 | 22,764,000 | 22,229,000 | 21,735,000 |
| Noninterest-bearing deposits | 3,777,000 | 3,617,000 | 3,327,000 | 3,263,000 |
| Equity capital | 3,080,000 | 4,416,000 | 4,513,000 | 4,575,000 |
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 | 366,000 | 442,000 | 891,000 | 1,358,000 |
| Interest expense | 96,000 | 111,000 | 236,000 | 388,000 |
| Net interest income | 270,000 | 331,000 | 655,000 | 970,000 |
| Noninterest income | 17,000 | 20,000 | 39,000 | 71,000 |
| Noninterest expense | 180,000 | 206,000 | 425,000 | 646,000 |
| Provision for loan losses | 9,000 | 0 | 0 | 0 |
| Pretax income | 98,000 | 145,000 | 269,000 | 395,000 |
| Income tax | 35,000 | 54,000 | 105,000 | 149,000 |
| Net income | 63,000 | 91,000 | 164,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,180,000 | 2,644,000 | 2,623,000 | 2,701,000 |
| Total capital | 3,414,000 | 2,872,000 | 2,863,000 | 2,934,000 |
| Risk-weighted assets | 18,665,000 | 20,928,000 | 19,977,000 | 21,070,000 |