Call reports 2006
BONHAM STATE BANK — 2006
What BONHAM 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 | 99,877,000 | 94,884,000 | 94,082,000 | 95,722,000 |
| Total loans | 42,079,000 | 40,306,000 | 39,873,000 | 41,092,000 |
| Allowance for loan losses | 454,000 | 489,000 | 501,000 | 498,000 |
| Securities available for sale | 23,923,000 | 21,171,000 | 23,250,000 | 19,416,000 |
| Securities held to maturity | 18,547,000 | 19,953,000 | 21,198,000 | 20,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,549,000 | 84,372,000 | 82,215,000 | 85,225,000 |
| Interest-bearing deposits | 70,391,000 | 65,481,000 | 65,377,000 | 66,589,000 |
| Noninterest-bearing deposits | 19,158,000 | 18,891,000 | 16,838,000 | 18,636,000 |
| Equity capital | 9,277,000 | 9,407,000 | 9,774,000 | 9,355,000 |
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 | 1,239,000 | 2,474,000 | 3,725,000 | 4,988,000 |
| Interest expense | 466,000 | 957,000 | 1,487,000 | 2,030,000 |
| Net interest income | 773,000 | 1,517,000 | 2,238,000 | 2,958,000 |
| Noninterest income | 196,000 | 418,000 | 613,000 | 815,000 |
| Noninterest expense | 609,000 | 1,307,000 | 1,949,000 | 2,632,000 |
| Provision for loan losses | 30,000 | 50,000 | 60,000 | 60,000 |
| Pretax income | 330,000 | 578,000 | 842,000 | 1,080,000 |
| Income tax | 72,000 | 118,000 | 162,000 | 202,000 |
| Net income | 258,000 | 460,000 | 680,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,583,000 | 9,785,000 | 10,005,000 | 9,491,000 |
| Total capital | 10,037,000 | 10,274,000 | 10,506,000 | 9,989,000 |
| Risk-weighted assets | 48,049,000 | 45,994,000 | 45,174,000 | 46,348,000 |