Call reports 2006
BATH STATE BANK — 2006
What BATH STATE 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 | 120,195,000 | 122,965,000 | 126,625,000 | 134,888,000 |
| Total loans | 91,527,000 | 97,287,000 | 101,455,000 | 103,086,000 |
| Allowance for loan losses | 1,023,000 | 1,142,000 | 1,122,000 | 1,054,000 |
| Securities available for sale | 12,893,000 | 12,145,000 | 12,701,000 | 12,656,000 |
| Securities held to maturity | 2,542,000 | 2,431,000 | 2,085,000 | 1,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,149,000 | 95,049,000 | 99,620,000 | 108,116,000 |
| Interest-bearing deposits | 88,528,000 | 90,142,000 | 94,531,000 | 102,029,000 |
| Noninterest-bearing deposits | 5,621,000 | 4,907,000 | 5,088,000 | 6,087,000 |
| Equity capital | 9,806,000 | 9,889,000 | 10,460,000 | 10,559,000 |
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 | 1,864,000 | 3,846,000 | 6,029,000 | 8,237,000 |
| Interest expense | 953,000 | 1,962,000 | 3,088,000 | 4,320,000 |
| Net interest income | 911,000 | 1,884,000 | 2,941,000 | 3,917,000 |
| Noninterest income | 114,000 | 233,000 | 352,000 | 682,000 |
| Noninterest expense | 729,000 | 1,465,000 | 2,101,000 | 2,996,000 |
| Provision for loan losses | 36,000 | 48,000 | 48,000 | 90,000 |
| Pretax income | 260,000 | 604,000 | 1,144,000 | 1,513,000 |
| Income tax | 60,000 | 150,000 | 312,000 | 402,000 |
| Net income | 200,000 | 454,000 | 832,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,702,000 | 10,039,000 | 10,418,000 | 10,481,000 |
| Total capital | 10,725,000 | 11,181,000 | 11,539,000 | 11,535,000 |
| Risk-weighted assets | 94,132,000 | 99,778,000 | 104,350,000 | 107,252,000 |