Call reports 2006
STATE BANK OF HERSCHER — 2006
What STATE BANK OF HERSCHER 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 | 120,690,000 | 121,316,000 | 123,986,000 | 127,493,000 |
| Total loans | 88,338,000 | 90,112,000 | 91,257,000 | 90,381,000 |
| Allowance for loan losses | 784,000 | 872,000 | 818,000 | 873,000 |
| Securities available for sale | 22,620,000 | 20,441,000 | 20,446,000 | 22,205,000 |
| Securities held to maturity | 3,575,000 | 3,249,000 | 2,824,000 | 1,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,537,000 | 102,138,000 | 106,025,000 | 113,768,000 |
| Interest-bearing deposits | 95,096,000 | 90,363,000 | 94,872,000 | 97,654,000 |
| Noninterest-bearing deposits | 11,441,000 | 11,776,000 | 11,153,000 | 16,114,000 |
| Equity capital | 12,528,000 | 12,526,000 | 12,908,000 | 12,878,000 |
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 | 1,885,000 | 3,908,000 | 6,053,000 | 8,184,000 |
| Interest expense | 748,000 | 1,518,000 | 2,419,000 | 3,397,000 |
| Net interest income | 1,137,000 | 2,390,000 | 3,634,000 | 4,787,000 |
| Noninterest income | 108,000 | 173,000 | 261,000 | 364,000 |
| Noninterest expense | 728,000 | 1,433,000 | 2,195,000 | 2,965,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 404,000 | 927,000 | 1,379,000 | 1,753,000 |
| Income tax | 15,000 | 22,000 | 28,000 | 30,000 |
| Net income | 389,000 | 905,000 | 1,351,000 | 1,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,839,000 | 12,954,000 | 13,176,000 | 13,049,000 |
| Total capital | 13,623,000 | 13,826,000 | 13,994,000 | 13,922,000 |
| Risk-weighted assets | 96,909,000 | 110,957,000 | 114,355,000 | 116,723,000 |