Call reports 2006
FIRST STATE BANK OF MURDOCK — 2006
What FIRST STATE BANK OF MURDOCK 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 | 7,992,000 | 8,129,000 | 7,625,000 | 8,078,000 |
| Total loans | 5,689,000 | 5,877,000 | 5,887,000 | 6,406,000 |
| Allowance for loan losses | 66,000 | 63,000 | 61,000 | 65,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000 | 2,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,031,000 | 7,131,000 | 6,651,000 | 7,112,000 |
| Interest-bearing deposits | 5,106,000 | 4,828,000 | 4,793,000 | 5,007,000 |
| Noninterest-bearing deposits | 1,925,000 | 2,303,000 | 1,858,000 | 2,105,000 |
| Equity capital | 914,000 | 943,000 | 909,000 | 891,000 |
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 | 138,000 | 278,000 | 416,000 | 562,000 |
| Interest expense | 24,000 | 52,000 | 83,000 | 117,000 |
| Net interest income | 114,000 | 226,000 | 333,000 | 445,000 |
| Noninterest income | 15,000 | 37,000 | 54,000 | 72,000 |
| Noninterest expense | 97,000 | 194,000 | 293,000 | 428,000 |
| Provision for loan losses | 0 | -3,000 | -5,000 | 0 |
| Pretax income | 32,000 | 72,000 | 99,000 | 89,000 |
| Income tax | 4,000 | 15,000 | 22,000 | 30,000 |
| Net income | 28,000 | 57,000 | 77,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 914,000 | 943,000 | 909,000 | 891,000 |
| Total capital | 980,000 | 1,006,000 | 970,000 | 956,000 |
| Risk-weighted assets | 5,180,000 | 5,827,000 | 5,198,000 | 5,707,000 |