Call reports 2006
STATE BANK OF DAVIS — 2006
What STATE BANK OF DAVIS 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 | 85,356,000 | 91,825,000 | 93,603,000 | 96,728,000 |
| Total loans | 56,901,000 | 63,910,000 | 64,812,000 | 68,561,000 |
| Allowance for loan losses | 746,000 | 749,000 | 758,000 | 767,000 |
| Securities available for sale | 18,550,000 | 18,312,000 | 18,534,000 | 19,267,000 |
| Securities held to maturity | 7,318,000 | 7,201,000 | 7,746,000 | 6,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,185,000 | 80,230,000 | 81,706,000 | 83,729,000 |
| Interest-bearing deposits | 68,725,000 | 75,054,000 | 76,482,000 | 77,750,000 |
| Noninterest-bearing deposits | 5,460,000 | 5,176,000 | 5,224,000 | 5,979,000 |
| Equity capital | 7,068,000 | 7,134,000 | 7,616,000 | 7,832,000 |
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 | 1,287,000 | 2,694,000 | 4,201,000 | 5,779,000 |
| Interest expense | 523,000 | 1,150,000 | 1,875,000 | 2,659,000 |
| Net interest income | 764,000 | 1,544,000 | 2,326,000 | 3,120,000 |
| Noninterest income | 50,000 | 112,000 | 166,000 | 215,000 |
| Noninterest expense | 364,000 | 732,000 | 1,105,000 | 1,482,000 |
| Provision for loan losses | 8,000 | 14,000 | 20,000 | 26,000 |
| Pretax income | 442,000 | 892,000 | 1,321,000 | 1,781,000 |
| Income tax | 115,000 | 230,000 | 337,000 | 458,000 |
| Net income | 327,000 | 662,000 | 984,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,206,000 | 7,416,000 | 7,613,000 | 7,831,000 |
| Total capital | 7,952,000 | 8,165,000 | 8,371,000 | 8,598,000 |
| Risk-weighted assets | 60,500,000 | 66,595,000 | 67,666,000 | 70,309,000 |