Call reports 2006
STONE BANK — 2006
What STONE 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 | 13,827,000 | 14,106,000 | 14,292,000 | 14,291,000 |
| Total loans | 7,877,000 | 8,868,000 | 9,325,000 | 8,945,000 |
| Allowance for loan losses | 87,000 | 105,000 | 116,000 | 110,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,117,000 | 4,114,000 | 4,114,000 | 4,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,201,000 | 9,369,000 | 8,631,000 | 8,807,000 |
| Interest-bearing deposits | 6,033,000 | 5,016,000 | 5,992,000 | 5,712,000 |
| Noninterest-bearing deposits | 5,168,000 | 4,353,000 | 2,639,000 | 3,095,000 |
| Equity capital | 2,562,000 | 2,606,000 | 2,620,000 | 2,525,000 |
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 | 200,000 | 415,000 | 650,000 | 875,000 |
| Interest expense | 37,000 | 83,000 | 165,000 | 250,000 |
| Net interest income | 163,000 | 332,000 | 485,000 | 625,000 |
| Noninterest income | 20,000 | 40,000 | 60,000 | 83,000 |
| Noninterest expense | 132,000 | 266,000 | 405,000 | 520,000 |
| Provision for loan losses | 18,000 | 18,000 | 28,000 | 171,000 |
| Pretax income | 33,000 | 88,000 | 112,000 | 17,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 16,000 |
| Net income | 23,000 | 68,000 | 81,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,562,000 | 2,606,000 | 2,620,000 | 2,525,000 |
| Total capital | 2,649,000 | 2,711,000 | 2,736,000 | 2,635,000 |
| Risk-weighted assets | 8,159,000 | 9,023,000 | 9,387,000 | 9,090,000 |