Call reports 2006
FIRST STATE BANK OF RANSOM, THE — 2006
What FIRST STATE BANK OF RANSOM, 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 | 33,499,000 | 33,294,000 | 32,653,000 | 32,457,000 |
| Total loans | 11,019,000 | 12,592,000 | 11,431,000 | 11,318,000 |
| Allowance for loan losses | 844,000 | 844,000 | 844,000 | 694,000 |
| Securities available for sale | 20,625,000 | 18,935,000 | 18,904,000 | 18,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,991,000 | 25,360,000 | 24,902,000 | 24,736,000 |
| Interest-bearing deposits | 22,844,000 | 22,184,000 | 22,004,000 | 21,560,000 |
| Noninterest-bearing deposits | 3,147,000 | 3,176,000 | 2,898,000 | 3,176,000 |
| Equity capital | 7,352,000 | 7,377,000 | 7,591,000 | 7,579,000 |
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 | 381,000 | 777,000 | 1,196,000 | 1,611,000 |
| Interest expense | 143,000 | 297,000 | 461,000 | 628,000 |
| Net interest income | 238,000 | 480,000 | 735,000 | 983,000 |
| Noninterest income | 31,000 | 59,000 | 85,000 | 113,000 |
| Noninterest expense | 160,000 | 322,000 | 487,000 | 771,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 109,000 | 217,000 | 333,000 | 475,000 |
| Income tax | 31,000 | 60,000 | 93,000 | 76,000 |
| Net income | 78,000 | 157,000 | 240,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,578,000 | 7,657,000 | 7,740,000 | 7,698,000 |
| Total capital | 7,789,000 | 7,884,000 | 7,956,000 | 7,911,000 |
| Risk-weighted assets | 16,205,000 | 17,570,000 | 16,652,000 | 16,550,000 |