Call reports 2006
HUSTISFORD STATE BANK — 2006
What HUSTISFORD STATE 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 | 41,172,000 | 39,353,000 | 40,151,000 | 41,008,000 |
| Total loans | 30,710,000 | 31,745,000 | 32,550,000 | 31,435,000 |
| Allowance for loan losses | 493,000 | 477,000 | 482,000 | 476,000 |
| Securities available for sale | 4,484,000 | 4,819,000 | 4,834,000 | 5,060,000 |
| Securities held to maturity | 620,000 | 620,000 | 580,000 | 470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,383,000 | 31,937,000 | 30,828,000 | 31,819,000 |
| Interest-bearing deposits | 27,072,000 | 26,413,000 | 25,886,000 | 26,143,000 |
| Noninterest-bearing deposits | 5,311,000 | 5,524,000 | 4,942,000 | 5,676,000 |
| Equity capital | 6,953,000 | 7,026,000 | 7,174,000 | 7,146,000 |
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 | 547,000 | 1,133,000 | 1,726,000 | 2,340,000 |
| Interest expense | 183,000 | 405,000 | 638,000 | 876,000 |
| Net interest income | 364,000 | 728,000 | 1,088,000 | 1,464,000 |
| Noninterest income | 32,000 | 65,000 | 99,000 | 155,000 |
| Noninterest expense | 220,000 | 442,000 | 666,000 | 890,000 |
| Provision for loan losses | 0 | 6,000 | 12,000 | 16,000 |
| Pretax income | 176,000 | 325,000 | 489,000 | 693,000 |
| Income tax | 59,000 | 122,000 | 175,000 | 232,000 |
| Net income | 117,000 | 203,000 | 314,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,996,000 | 7,082,000 | 7,194,000 | 7,166,000 |
| Total capital | 7,322,000 | 7,414,000 | 7,533,000 | 7,495,000 |
| Risk-weighted assets | 25,878,000 | 26,417,000 | 26,995,000 | 26,145,000 |