Call reports 2006
SHERMAN COUNTY BANK — 2006
What SHERMAN COUNTY 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 | 89,036,000 | 90,092,000 | 91,084,000 | 90,829,000 |
| Total loans | 57,638,000 | 57,227,000 | 58,931,000 | 61,584,000 |
| Allowance for loan losses | 1,530,000 | 1,558,000 | 1,579,000 | 1,599,000 |
| Securities available for sale | 20,766,000 | 21,255,000 | 22,184,000 | 18,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,774,000 | 64,597,000 | 64,486,000 | 65,853,000 |
| Interest-bearing deposits | 54,352,000 | 58,949,000 | 58,254,000 | 59,005,000 |
| Noninterest-bearing deposits | 6,422,000 | 5,648,000 | 6,232,000 | 6,848,000 |
| Equity capital | 7,954,000 | 7,959,000 | 8,441,000 | 8,568,000 |
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 | 1,434,000 | 2,905,000 | 4,495,000 | 6,158,000 |
| Interest expense | 639,000 | 1,358,000 | 2,119,000 | 2,908,000 |
| Net interest income | 795,000 | 1,547,000 | 2,376,000 | 3,250,000 |
| Noninterest income | 140,000 | 289,000 | 445,000 | 618,000 |
| Noninterest expense | 597,000 | 1,224,000 | 1,801,000 | 2,454,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 308,000 | 552,000 | 938,000 | 1,231,000 |
| Income tax | 22,000 | 63,000 | 145,000 | 253,000 |
| Net income | 286,000 | 489,000 | 793,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,120,000 | 8,273,000 | 8,528,000 | 8,577,000 |
| Total capital | 8,959,000 | 9,119,000 | 9,395,000 | 9,465,000 |
| Risk-weighted assets | 66,883,000 | 67,050,000 | 69,137,000 | 71,385,000 |