Call reports 2006
CHESTATEE STATE BANK — 2006
What CHESTATEE 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 | 261,025,000 | 265,426,000 | 278,865,000 | 299,597,000 |
| Total loans | 203,756,000 | 222,822,000 | 225,842,000 | 252,816,000 |
| Allowance for loan losses | 4,189,000 | 4,634,000 | 3,809,000 | 3,734,000 |
| Securities available for sale | 25,118,000 | 23,157,000 | 21,316,000 | 19,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,453,000 | 228,851,000 | 245,804,000 | 263,147,000 |
| Interest-bearing deposits | 199,867,000 | 201,064,000 | 217,613,000 | 240,115,000 |
| Noninterest-bearing deposits | 23,586,000 | 27,787,000 | 28,191,000 | 23,032,000 |
| Equity capital | 25,388,000 | 25,752,000 | 26,711,000 | 27,123,000 |
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 | 4,711,000 | 9,870,000 | 15,361,000 | 21,135,000 |
| Interest expense | 1,736,000 | 3,676,000 | 5,985,000 | 8,509,000 |
| Net interest income | 2,975,000 | 6,194,000 | 9,376,000 | 12,626,000 |
| Noninterest income | 239,000 | 469,000 | 702,000 | 960,000 |
| Noninterest expense | 1,962,000 | 3,898,000 | 5,802,000 | 7,708,000 |
| Provision for loan losses | 86,000 | 591,000 | 817,000 | 1,140,000 |
| Pretax income | 1,166,000 | 2,174,000 | 3,459,000 | 4,738,000 |
| Income tax | 416,000 | 776,000 | 1,236,000 | 1,661,000 |
| Net income | 750,000 | 1,398,000 | 2,223,000 | 3,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,028,000 | 26,147,000 | 26,973,000 | 27,326,000 |
| Total capital | 27,960,000 | 29,285,000 | 30,170,000 | 30,874,000 |
| Risk-weighted assets | 233,289,000 | 249,540,000 | 255,118,000 | 283,676,000 |