Call reports 2006
SCHWERTNER STATE BANK — 2006
What SCHWERTNER 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 | 22,397,000 | 29,819,000 | 31,588,000 | 33,860,000 |
| Total loans | 8,239,000 | 8,936,000 | 9,131,000 | 9,584,000 |
| Allowance for loan losses | 90,000 | 90,000 | 108,000 | 103,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,000,000 | 8,424,000 | 9,000,000 | 12,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,063,000 | 26,386,000 | 28,014,000 | 30,157,000 |
| Interest-bearing deposits | 13,893,000 | 21,558,000 | 22,511,000 | 22,006,000 |
| Noninterest-bearing deposits | 5,170,000 | 4,828,000 | 5,504,000 | 8,151,000 |
| Equity capital | 3,229,000 | 3,335,000 | 3,447,000 | 3,491,000 |
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 | 274,000 | 617,000 | 1,041,000 | 1,473,000 |
| Interest expense | 62,000 | 137,000 | 232,000 | 334,000 |
| Net interest income | 212,000 | 480,000 | 809,000 | 1,139,000 |
| Noninterest income | 36,000 | 53,000 | 74,000 | 108,000 |
| Noninterest expense | 135,000 | 288,000 | 475,000 | 716,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 113,000 | 245,000 | 398,000 | 521,000 |
| Income tax | 20,000 | 45,000 | 85,000 | 164,000 |
| Net income | 93,000 | 200,000 | 313,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,229,000 | 3,335,000 | 3,447,000 | 3,491,000 |
| Total capital | 3,319,000 | 3,425,000 | 3,555,000 | 3,594,000 |
| Risk-weighted assets | 11,434,000 | 13,853,000 | 14,550,000 | 15,533,000 |