Call reports 2006
SMITH COUNTY STATE BANK AND TRUST COMPANY, THE — 2006
What SMITH COUNTY STATE BANK AND TRUST COMPANY, 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 | 58,301,000 | 58,356,000 | 55,108,000 | 62,020,000 |
| Total loans | 26,038,000 | 26,425,000 | 25,071,000 | 25,445,000 |
| Allowance for loan losses | 538,000 | 546,000 | 552,000 | 543,000 |
| Securities available for sale | 4,031,000 | 3,883,000 | 3,573,000 | 3,636,000 |
| Securities held to maturity | 24,688,000 | 23,249,000 | 23,200,000 | 23,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,187,000 | 51,141,000 | 47,777,000 | 54,826,000 |
| Interest-bearing deposits | 44,822,000 | 43,805,000 | 42,225,000 | 44,475,000 |
| Noninterest-bearing deposits | 6,365,000 | 7,336,000 | 5,552,000 | 10,351,000 |
| Equity capital | 6,864,000 | 6,918,000 | 6,943,000 | 7,054,000 |
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 | 757,000 | 1,523,000 | 2,290,000 | 3,083,000 |
| Interest expense | 244,000 | 500,000 | 772,000 | 1,057,000 |
| Net interest income | 513,000 | 1,023,000 | 1,518,000 | 2,026,000 |
| Noninterest income | 377,000 | 764,000 | 1,114,000 | 1,613,000 |
| Noninterest expense | 689,000 | 1,371,000 | 2,077,000 | 2,847,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 193,000 | 402,000 | 535,000 | 766,000 |
| Income tax | 8,000 | 17,000 | 25,000 | 23,000 |
| Net income | 185,000 | 385,000 | 510,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,888,000 | 6,961,000 | 6,953,000 | 7,057,000 |
| Total capital | 7,274,000 | 7,361,000 | 7,334,000 | 7,455,000 |
| Risk-weighted assets | 30,723,000 | 31,839,000 | 30,306,000 | 31,730,000 |