Call reports 2006
FSB BANK — 2006
What FSB 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 | 136,378,000 | 137,669,000 | 140,404,000 | 260,577,000 |
| Total loans | 93,710,000 | 99,589,000 | 101,327,000 | 163,448,000 |
| Allowance for loan losses | 2,230,000 | 2,281,000 | 2,322,000 | 3,038,000 |
| Securities available for sale | 35,665,000 | 29,714,000 | 32,450,000 | 54,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,662,000 | 109,047,000 | 114,274,000 | 195,566,000 |
| Interest-bearing deposits | 100,780,000 | 97,719,000 | 101,430,000 | 171,317,000 |
| Noninterest-bearing deposits | 10,882,000 | 11,328,000 | 12,844,000 | 24,249,000 |
| Equity capital | 13,007,000 | 12,953,000 | 13,432,000 | 52,305,000 |
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 | 2,082,000 | 4,275,000 | 6,528,000 | 10,200,000 |
| Interest expense | 777,000 | 1,619,000 | 2,572,000 | 4,128,000 |
| Net interest income | 1,305,000 | 2,656,000 | 3,956,000 | 6,072,000 |
| Noninterest income | 204,000 | 429,000 | 660,000 | 950,000 |
| Noninterest expense | 1,005,000 | 1,973,000 | 2,867,000 | 4,192,000 |
| Provision for loan losses | 49,000 | 96,000 | 145,000 | 150,000 |
| Pretax income | 455,000 | 990,000 | 1,578,000 | 2,654,000 |
| Income tax | 122,000 | 269,000 | 430,000 | 730,000 |
| Net income | 333,000 | 721,000 | 1,148,000 | 1,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,272,000 | 13,312,000 | 13,563,000 | 28,765,000 |
| Total capital | 14,491,000 | 14,547,000 | 14,840,000 | 30,659,000 |
| Risk-weighted assets | 97,031,000 | 98,238,000 | 101,089,000 | 150,398,000 |