Call reports 2006
STONE COUNTY NATIONAL BANK — 2006
What STONE COUNTY NATIONAL 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 | 81,122,000 | 81,774,000 | 81,892,000 | 90,350,000 |
| Total loans | 37,433,000 | 38,962,000 | 39,229,000 | 39,761,000 |
| Allowance for loan losses | 516,000 | 522,000 | 533,000 | 533,000 |
| Securities available for sale | 33,319,000 | 33,771,000 | 37,306,000 | 38,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,892,000 | 74,755,000 | 73,818,000 | 82,371,000 |
| Interest-bearing deposits | 62,459,000 | 62,782,000 | 61,678,000 | 70,655,000 |
| Noninterest-bearing deposits | 11,433,000 | 11,973,000 | 12,140,000 | 11,716,000 |
| Equity capital | 6,885,000 | 6,645,000 | 7,440,000 | 7,580,000 |
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 | 1,129,000 | 2,244,000 | 3,446,000 | 4,614,000 |
| Interest expense | 449,000 | 944,000 | 1,498,000 | 2,109,000 |
| Net interest income | 680,000 | 1,300,000 | 1,948,000 | 2,505,000 |
| Noninterest income | 104,000 | 216,000 | 327,000 | 517,000 |
| Noninterest expense | 500,000 | 1,004,000 | 1,498,000 | 2,002,000 |
| Provision for loan losses | 30,000 | 45,000 | 75,000 | 93,000 |
| Pretax income | 254,000 | 468,000 | 706,000 | 923,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 254,000 | 468,000 | 706,000 | 923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,625,000 | 7,759,000 | 7,916,000 | 8,053,000 |
| Total capital | 8,141,000 | 8,265,000 | 8,449,000 | 8,586,000 |
| Risk-weighted assets | 42,471,000 | 40,496,000 | 44,862,000 | 47,326,000 |