Call reports 2006
RNB STATE BANK — 2006
What RNB 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 | 124,578,000 | 125,712,000 | 139,196,000 | 140,233,000 |
| Total loans | 89,519,000 | 86,117,000 | 91,702,000 | 97,970,000 |
| Allowance for loan losses | 959,000 | 957,000 | 954,000 | 930,000 |
| Securities available for sale | 22,081,000 | 21,320,000 | 27,193,000 | 26,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,758,000 | 111,762,000 | 123,769,000 | 124,192,000 |
| Interest-bearing deposits | 95,969,000 | 95,527,000 | 102,505,000 | 102,857,000 |
| Noninterest-bearing deposits | 13,789,000 | 16,235,000 | 21,264,000 | 21,335,000 |
| Equity capital | 12,673,000 | 12,801,000 | 13,133,000 | 13,136,000 |
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 | 1,974,000 | 4,117,000 | 6,417,000 | 8,854,000 |
| Interest expense | 509,000 | 1,046,000 | 1,692,000 | 2,397,000 |
| Net interest income | 1,465,000 | 3,071,000 | 4,725,000 | 6,457,000 |
| Noninterest income | 205,000 | 412,000 | 638,000 | 848,000 |
| Noninterest expense | 1,033,000 | 2,148,000 | 3,256,000 | 4,471,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 637,000 | 1,335,000 | 2,107,000 | 2,834,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 637,000 | 1,335,000 | 2,107,000 | 2,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,761,000 | 12,960,000 | 13,131,000 | 13,108,000 |
| Total capital | 13,720,000 | 13,917,000 | 14,085,000 | 14,038,000 |
| Risk-weighted assets | 99,201,000 | 96,943,000 | 104,471,000 | 109,818,000 |