Call reports 2006
CLARKE COUNTY STATE BANK — 2006
What CLARKE COUNTY 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 | 116,557,000 | 124,473,000 | 134,053,000 | 132,331,000 |
| Total loans | 77,221,000 | 90,823,000 | 101,553,000 | 104,704,000 |
| Allowance for loan losses | 868,000 | 886,000 | 987,000 | 1,306,000 |
| Securities available for sale | 21,386,000 | 22,594,000 | 22,108,000 | 19,032,000 |
| Securities held to maturity | 2,107,000 | 2,059,000 | 2,040,000 | 2,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,987,000 | 99,723,000 | 102,756,000 | 107,530,000 |
| Interest-bearing deposits | 95,146,000 | 95,094,000 | 97,965,000 | 102,154,000 |
| Noninterest-bearing deposits | 5,841,000 | 4,629,000 | 4,791,000 | 5,376,000 |
| Equity capital | 9,346,000 | 9,378,000 | 9,734,000 | 9,820,000 |
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 | 1,669,000 | 3,494,000 | 5,598,000 | 7,828,000 |
| Interest expense | 771,000 | 1,651,000 | 2,779,000 | 3,966,000 |
| Net interest income | 898,000 | 1,843,000 | 2,819,000 | 3,862,000 |
| Noninterest income | 133,000 | 262,000 | 393,000 | 473,000 |
| Noninterest expense | 600,000 | 1,249,000 | 1,909,000 | 2,651,000 |
| Provision for loan losses | 15,000 | 30,000 | 175,000 | 495,000 |
| Pretax income | 416,000 | 826,000 | 1,129,000 | 1,190,000 |
| Income tax | 111,000 | 223,000 | 294,000 | 273,000 |
| Net income | 305,000 | 603,000 | 835,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,412,000 | 9,507,000 | 9,738,000 | 9,820,000 |
| Total capital | 10,280,000 | 10,393,000 | 10,725,000 | 11,098,000 |
| Risk-weighted assets | 77,878,000 | 90,937,000 | 101,746,000 | 102,224,000 |