Call reports 2006
SHARON BANK — 2006
What SHARON 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 | 188,714,000 | 187,755,000 | 190,117,000 | 163,161,000 |
| Total loans | 110,585,000 | 117,300,000 | 120,878,000 | 122,145,000 |
| Allowance for loan losses | 192,000 | 204,000 | 207,000 | 214,000 |
| Securities available for sale | 11,553,000 | 10,595,000 | 10,639,000 | 15,916,000 |
| Securities held to maturity | 43,649,000 | 39,451,000 | 38,748,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,205,000 | 141,432,000 | 135,225,000 | 142,310,000 |
| Interest-bearing deposits | 132,127,000 | 134,340,000 | 129,965,000 | 136,718,000 |
| Noninterest-bearing deposits | 5,078,000 | 7,092,000 | 5,260,000 | 5,592,000 |
| Equity capital | 20,653,000 | 20,733,000 | 20,705,000 | 20,019,000 |
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 | 2,163,000 | 4,388,000 | 6,704,000 | 9,044,000 |
| Interest expense | 1,093,000 | 2,308,000 | 3,649,000 | 5,023,000 |
| Net interest income | 1,070,000 | 2,080,000 | 3,055,000 | 4,021,000 |
| Noninterest income | 123,000 | 229,000 | 342,000 | 488,000 |
| Noninterest expense | 1,100,000 | 2,160,000 | 3,204,000 | 4,282,000 |
| Provision for loan losses | 7,000 | 18,000 | 20,000 | 27,000 |
| Pretax income | 86,000 | 131,000 | 173,000 | -1,060,000 |
| Income tax | 0 | -40,000 | -40,000 | -505,000 |
| Net income | 86,000 | 171,000 | 213,000 | -555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,648,000 | 20,619,000 | 20,705,000 | 20,028,000 |
| Total capital | 20,840,000 | 20,823,000 | 20,912,000 | 20,242,000 |
| Risk-weighted assets | 90,160,000 | 91,277,000 | 93,127,000 | 90,142,000 |