Call reports 2006
STATE BANK OF BOTTINEAU — 2006
What STATE BANK OF BOTTINEAU 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 | 45,722,000 | 45,109,000 | 46,009,000 | 45,934,000 |
| Total loans | 30,438,000 | 34,710,000 | 35,046,000 | 33,054,000 |
| Allowance for loan losses | 528,000 | 542,000 | 532,000 | 524,000 |
| Securities available for sale | 1,025,000 | 991,000 | 975,000 | 966,000 |
| Securities held to maturity | 7,458,000 | 5,253,000 | 5,195,000 | 5,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,988,000 | 39,153,000 | 40,940,000 | 40,706,000 |
| Interest-bearing deposits | 35,870,000 | 34,607,000 | 36,395,000 | 36,230,000 |
| Noninterest-bearing deposits | 5,118,000 | 4,546,000 | 4,545,000 | 4,476,000 |
| Equity capital | 3,882,000 | 3,918,000 | 4,037,000 | 4,176,000 |
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 | 712,000 | 1,458,000 | 2,255,000 | 3,031,000 |
| Interest expense | 229,000 | 482,000 | 777,000 | 1,071,000 |
| Net interest income | 483,000 | 976,000 | 1,478,000 | 1,960,000 |
| Noninterest income | 56,000 | 108,000 | 159,000 | 207,000 |
| Noninterest expense | 359,000 | 711,000 | 1,080,000 | 1,463,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 165,000 | 343,000 | 517,000 | 664,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 49,000 |
| Net income | 153,000 | 319,000 | 481,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,509,000 | 3,556,000 | 3,674,000 | 3,813,000 |
| Total capital | 3,925,000 | 4,021,000 | 4,146,000 | 4,267,000 |
| Risk-weighted assets | 33,189,000 | 37,131,000 | 37,716,000 | 36,237,000 |