Call reports 2006
FIRST STATE BANK OF ST. ROBERT — 2006
What FIRST STATE BANK OF ST. ROBERT 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 | 67,570,000 | 67,341,000 | 67,074,000 | 70,477,000 |
| Total loans | 48,118,000 | 48,360,000 | 48,490,000 | 50,820,000 |
| Allowance for loan losses | 581,000 | 591,000 | 522,000 | 555,000 |
| Securities available for sale | 10,275,000 | 11,022,000 | 12,219,000 | 11,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,470,000 | 61,057,000 | 60,623,000 | 63,001,000 |
| Interest-bearing deposits | 52,151,000 | 51,430,000 | 52,368,000 | 56,256,000 |
| Noninterest-bearing deposits | 8,319,000 | 9,627,000 | 8,255,000 | 6,745,000 |
| Equity capital | 5,900,000 | 6,021,000 | 6,167,000 | 6,239,000 |
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 | 1,109,000 | 2,241,000 | 3,410,000 | 4,630,000 |
| Interest expense | 367,000 | 774,000 | 1,220,000 | 1,733,000 |
| Net interest income | 742,000 | 1,467,000 | 2,190,000 | 2,897,000 |
| Noninterest income | 131,000 | 287,000 | 449,000 | 599,000 |
| Noninterest expense | 617,000 | 1,258,000 | 1,973,000 | 2,728,000 |
| Provision for loan losses | 25,000 | 48,000 | 90,000 | 120,000 |
| Pretax income | 231,000 | 448,000 | 576,000 | 648,000 |
| Income tax | 76,000 | 136,000 | 172,000 | 187,000 |
| Net income | 155,000 | 312,000 | 404,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,957,000 | 6,113,000 | 6,206,000 | 6,263,000 |
| Total capital | 6,490,000 | 6,654,000 | 6,728,000 | 6,818,000 |
| Risk-weighted assets | 42,617,000 | 43,209,000 | 43,650,000 | 45,311,000 |