Call reports 2006
SCOTTDALE BANK & TRUST CO. THE — 2006
What SCOTTDALE BANK & TRUST CO. THE 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 | 174,385,000 | 172,262,000 | 172,011,000 | 166,754,000 |
| Total loans | 57,610,000 | 58,148,000 | 59,111,000 | 54,390,000 |
| Allowance for loan losses | 916,000 | 923,000 | 954,000 | 978,000 |
| Securities available for sale | 85,828,000 | 84,000,000 | 81,363,000 | 74,236,000 |
| Securities held to maturity | 14,825,000 | 15,475,000 | 15,847,000 | 15,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,455,000 | 134,853,000 | 132,968,000 | 127,218,000 |
| Interest-bearing deposits | 111,259,000 | 109,586,000 | 106,076,000 | 105,125,000 |
| Noninterest-bearing deposits | 25,196,000 | 25,267,000 | 26,893,000 | 22,093,000 |
| Equity capital | 36,558,000 | 36,145,000 | 37,121,000 | 37,750,000 |
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 | 1,982,000 | 3,879,000 | 5,884,000 | 7,864,000 |
| Interest expense | 560,000 | 1,140,000 | 1,737,000 | 2,332,000 |
| Net interest income | 1,422,000 | 2,739,000 | 4,147,000 | 5,532,000 |
| Noninterest income | 135,000 | 262,000 | 386,000 | 528,000 |
| Noninterest expense | 1,050,000 | 2,046,000 | 3,133,000 | 4,134,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 452,000 | 870,000 | 1,285,000 | 1,792,000 |
| Income tax | 93,000 | 170,000 | 240,000 | 289,000 |
| Net income | 359,000 | 700,000 | 1,045,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,893,000 | 34,585,000 | 34,927,000 | 35,317,000 |
| Total capital | 35,809,000 | 35,508,000 | 35,881,000 | 36,295,000 |
| Risk-weighted assets | 101,504,000 | 102,083,000 | 100,577,000 | 92,643,000 |