Call reports 2006
CASTROVILLE STATE BANK — 2006
What CASTROVILLE 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 | 73,891,000 | 73,847,000 | 71,513,000 | 77,273,000 |
| Total loans | 33,049,000 | 34,362,000 | 35,344,000 | 34,702,000 |
| Allowance for loan losses | 392,000 | 385,000 | 385,000 | 359,000 |
| Securities available for sale | 36,632,000 | 34,667,000 | 32,668,000 | 34,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,828,000 | 66,827,000 | 63,557,000 | 69,836,000 |
| Interest-bearing deposits | 56,890,000 | 55,776,000 | 53,144,000 | 59,523,000 |
| Noninterest-bearing deposits | 9,938,000 | 11,051,000 | 10,413,000 | 10,313,000 |
| Equity capital | 6,900,000 | 6,867,000 | 7,311,000 | 7,318,000 |
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 | 954,000 | 1,916,000 | 2,907,000 | 3,940,000 |
| Interest expense | 371,000 | 747,000 | 1,152,000 | 1,587,000 |
| Net interest income | 583,000 | 1,169,000 | 1,755,000 | 2,353,000 |
| Noninterest income | 111,000 | 222,000 | 347,000 | 459,000 |
| Noninterest expense | 410,000 | 818,000 | 1,245,000 | 1,674,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 14,000 |
| Pretax income | 284,000 | 555,000 | 825,000 | 1,096,000 |
| Income tax | 78,000 | 154,000 | 228,000 | 300,000 |
| Net income | 206,000 | 401,000 | 597,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,343,000 | 7,478,000 | 7,614,000 | 7,543,000 |
| Total capital | 7,735,000 | 7,863,000 | 7,999,000 | 7,902,000 |
| Risk-weighted assets | 39,711,000 | 40,949,000 | 40,305,000 | 40,671,000 |