Call reports 2006
STATE EXCHANGE BANK, THE — 2006
What STATE EXCHANGE BANK, THE 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 | 27,929,000 | 27,616,000 | 27,926,000 | 30,478,000 |
| Total loans | 14,245,000 | 14,552,000 | 14,854,000 | 14,984,000 |
| Allowance for loan losses | 207,000 | 206,000 | 194,000 | 193,000 |
| Securities available for sale | 12,080,000 | 11,554,000 | 11,640,000 | 11,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,117,000 | 21,461,000 | 20,848,000 | 24,423,000 |
| Interest-bearing deposits | 17,675,000 | 18,051,000 | 17,723,000 | 19,494,000 |
| Noninterest-bearing deposits | 3,441,000 | 3,410,000 | 3,125,000 | 4,930,000 |
| Equity capital | 2,914,000 | 2,892,000 | 2,844,000 | 2,879,000 |
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 | 409,000 | 830,000 | 1,241,000 | 1,700,000 |
| Interest expense | 149,000 | 337,000 | 507,000 | 713,000 |
| Net interest income | 260,000 | 493,000 | 734,000 | 987,000 |
| Noninterest income | 27,000 | 51,000 | 85,000 | 98,000 |
| Noninterest expense | 147,000 | 300,000 | 451,000 | 695,000 |
| Provision for loan losses | 50,000 | 50,000 | 230,000 | 230,000 |
| Pretax income | 90,000 | 194,000 | 138,000 | 161,000 |
| Income tax | 4,000 | 4,000 | 10,000 | 16,000 |
| Net income | 86,000 | 190,000 | 128,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,940,000 | 3,050,000 | 2,907,000 | 2,924,000 |
| Total capital | 3,147,000 | 3,256,000 | 3,101,000 | 3,117,000 |
| Risk-weighted assets | 17,180,000 | 17,386,000 | 17,740,000 | 18,531,000 |