Call reports 2006
SILVER LAKE BANK — 2006
What SILVER LAKE 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 | 192,735,000 | 193,441,000 | 197,261,000 | 193,780,000 |
| Total loans | 147,117,000 | 150,681,000 | 144,175,000 | 148,856,000 |
| Allowance for loan losses | 868,000 | 885,000 | 908,000 | 811,000 |
| Securities available for sale | 26,995,000 | 25,827,000 | 27,731,000 | 29,445,000 |
| Securities held to maturity | 2,900,000 | 2,709,000 | 2,598,000 | 2,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,888,000 | 164,628,000 | 164,471,000 | 162,696,000 |
| Interest-bearing deposits | 142,287,000 | 147,248,000 | 147,476,000 | 142,972,000 |
| Noninterest-bearing deposits | 16,601,000 | 17,380,000 | 16,995,000 | 19,724,000 |
| Equity capital | 17,445,000 | 17,935,000 | 18,704,000 | 19,251,000 |
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 | 3,069,000 | 6,411,000 | 9,924,000 | 13,477,000 |
| Interest expense | 1,185,000 | 2,550,000 | 4,093,000 | 5,747,000 |
| Net interest income | 1,884,000 | 3,861,000 | 5,831,000 | 7,730,000 |
| Noninterest income | 160,000 | 332,000 | 501,000 | 663,000 |
| Noninterest expense | 1,104,000 | 2,194,000 | 3,311,000 | 4,607,000 |
| Provision for loan losses | 24,000 | 47,000 | 69,000 | 92,000 |
| Pretax income | 916,000 | 1,952,000 | 2,952,000 | 3,694,000 |
| Income tax | 331,000 | 706,000 | 1,065,000 | 1,303,000 |
| Net income | 585,000 | 1,246,000 | 1,887,000 | 2,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,728,000 | 18,391,000 | 18,871,000 | 19,378,000 |
| Total capital | 18,596,000 | 19,276,000 | 19,779,000 | 20,189,000 |
| Risk-weighted assets | 162,509,000 | 168,469,000 | 166,419,000 | 168,894,000 |