Call reports 2006
SMALL TOWN BANK — 2006
What SMALL TOWN 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 | 179,764,000 | 181,144,000 | 188,992,000 | 193,760,000 |
| Total loans | 114,955,000 | 116,375,000 | 120,774,000 | 124,851,000 |
| Allowance for loan losses | 1,497,000 | 1,572,000 | 1,655,000 | 1,737,000 |
| Securities available for sale | 50,958,000 | 48,938,000 | 51,336,000 | 52,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,964,000 | 145,995,000 | 149,877,000 | 154,391,000 |
| Interest-bearing deposits | 131,415,000 | 132,833,000 | 136,184,000 | 141,333,000 |
| Noninterest-bearing deposits | 12,549,000 | 13,162,000 | 13,692,000 | 13,058,000 |
| Equity capital | 19,856,000 | 19,902,000 | 21,573,000 | 21,984,000 |
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 | 3,077,000 | 6,292,000 | 9,697,000 | 13,198,000 |
| Interest expense | 1,165,000 | 2,435,000 | 3,845,000 | 5,398,000 |
| Net interest income | 1,912,000 | 3,857,000 | 5,852,000 | 7,800,000 |
| Noninterest income | 266,000 | 552,000 | 837,000 | 1,130,000 |
| Noninterest expense | 921,000 | 1,860,000 | 2,806,000 | 3,756,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,184,000 | 2,381,000 | 3,637,000 | 4,838,000 |
| Income tax | 308,000 | 625,000 | 935,000 | 1,264,000 |
| Net income | 876,000 | 1,756,000 | 2,702,000 | 3,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,571,000 | 18,387,000 | 18,938,000 | 19,403,000 |
| Total capital | 19,068,000 | 19,959,000 | 20,593,000 | 21,140,000 |
| Risk-weighted assets | 127,735,000 | 131,142,000 | 136,008,000 | 140,367,000 |