Call reports 2006
S-BANK — 2006
What S-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 | 186,302,000 | 187,765,000 | 185,381,000 | 198,965,000 |
| Total loans | 148,080,000 | 154,328,000 | 153,805,000 | 161,670,000 |
| Allowance for loan losses | 1,220,000 | 1,316,000 | 1,377,000 | 1,377,000 |
| Securities available for sale | 19,095,000 | 19,514,000 | 19,741,000 | 22,576,000 |
| Securities held to maturity | 706,000 | 646,000 | 605,000 | 589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,082,000 | 133,487,000 | 132,752,000 | 125,868,000 |
| Interest-bearing deposits | 113,472,000 | 120,252,000 | 119,340,000 | 111,088,000 |
| Noninterest-bearing deposits | 13,610,000 | 13,235,000 | 13,412,000 | 14,780,000 |
| Equity capital | 13,105,000 | 13,113,000 | 13,356,000 | 13,511,000 |
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 | 2,596,000 | 5,267,000 | 8,093,000 | 11,018,000 |
| Interest expense | 1,204,000 | 2,518,000 | 3,882,000 | 5,420,000 |
| Net interest income | 1,392,000 | 2,749,000 | 4,211,000 | 5,598,000 |
| Noninterest income | 226,000 | 463,000 | 582,000 | 789,000 |
| Noninterest expense | 1,406,000 | 2,738,000 | 4,077,000 | 5,377,000 |
| Provision for loan losses | 40,000 | 80,000 | 142,000 | 143,000 |
| Pretax income | 178,000 | 400,000 | 580,000 | 873,000 |
| Income tax | 45,000 | 107,000 | 156,000 | 235,000 |
| Net income | 133,000 | 293,000 | 424,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,344,000 | 13,420,000 | 13,494,000 | 13,646,000 |
| Total capital | 14,564,000 | 14,736,000 | 14,871,000 | 15,023,000 |
| Risk-weighted assets | 114,704,000 | 119,395,000 | 118,034,000 | 131,276,000 |