Call reports 2006
STATE BANK OF DRUMMOND — 2006
What STATE BANK OF DRUMMOND 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 | 42,095,000 | 43,748,000 | 43,606,000 | 43,666,000 |
| Total loans | 28,046,000 | 29,295,000 | 30,023,000 | 29,186,000 |
| Allowance for loan losses | 366,000 | 372,000 | 382,000 | 391,000 |
| Securities available for sale | 9,713,000 | 9,587,000 | 9,734,000 | 9,049,000 |
| Securities held to maturity | 450,000 | 450,000 | 450,000 | 450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,761,000 | 35,419,000 | 33,344,000 | 34,160,000 |
| Interest-bearing deposits | 31,563,000 | 30,119,000 | 28,809,000 | 28,694,000 |
| Noninterest-bearing deposits | 4,198,000 | 5,300,000 | 4,535,000 | 5,466,000 |
| Equity capital | 4,708,000 | 4,712,000 | 4,857,000 | 4,841,000 |
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 | 620,000 | 1,284,000 | 1,972,000 | 2,669,000 |
| Interest expense | 189,000 | 423,000 | 679,000 | 962,000 |
| Net interest income | 431,000 | 861,000 | 1,293,000 | 1,707,000 |
| Noninterest income | 45,000 | 90,000 | 132,000 | 201,000 |
| Noninterest expense | 400,000 | 774,000 | 1,141,000 | 1,494,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 67,000 | 159,000 | 257,000 | 378,000 |
| Income tax | 8,000 | 19,000 | 37,000 | 60,000 |
| Net income | 59,000 | 140,000 | 220,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,789,000 | 4,823,000 | 4,903,000 | 4,881,000 |
| Total capital | 5,124,000 | 5,168,000 | 5,251,000 | 5,225,000 |
| Risk-weighted assets | 26,779,000 | 27,535,000 | 27,841,000 | 27,469,000 |