Call reports 2006
SCOTT COUNTY STATE BANK, THE — 2006
What SCOTT COUNTY STATE BANK, THE 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 | 127,822,000 | 128,212,000 | 146,574,000 | 147,976,000 |
| Total loans | 86,451,000 | 89,234,000 | 93,251,000 | 92,998,000 |
| Allowance for loan losses | 768,000 | 754,000 | 747,000 | 732,000 |
| Securities available for sale | 5,928,000 | 5,930,000 | 19,366,000 | 18,379,000 |
| Securities held to maturity | 17,718,000 | 18,599,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,990,000 | 103,779,000 | 102,743,000 | 103,284,000 |
| Interest-bearing deposits | 76,217,000 | 79,557,000 | 80,688,000 | 80,468,000 |
| Noninterest-bearing deposits | 22,773,000 | 24,222,000 | 22,055,000 | 22,816,000 |
| Equity capital | 14,544,000 | 13,386,000 | 30,977,000 | 31,516,000 |
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 | 1,918,000 | 3,876,000 | 2,125,000 | 4,318,000 |
| Interest expense | 565,000 | 1,148,000 | 632,000 | 1,346,000 |
| Net interest income | 1,353,000 | 2,728,000 | 1,493,000 | 2,972,000 |
| Noninterest income | 179,000 | 265,000 | 181,000 | 398,000 |
| Noninterest expense | 866,000 | 1,939,000 | 871,000 | 1,858,000 |
| Provision for loan losses | 18,000 | 126,000 | 6,000 | 9,000 |
| Pretax income | 648,000 | 928,000 | 797,000 | 1,503,000 |
| Income tax | 241,000 | 330,000 | 292,000 | 477,000 |
| Net income | 407,000 | 598,000 | 505,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,563,000 | 13,411,000 | 13,544,000 | 12,624,000 |
| Total capital | 15,331,000 | 14,165,000 | 14,291,000 | 13,356,000 |
| Risk-weighted assets | 74,667,000 | 76,217,000 | 83,485,000 | 81,970,000 |