Call reports 2006
STROUD NATIONAL BANK — 2006
What STROUD NATIONAL 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 | 56,152,000 | 58,267,000 | 61,335,000 | 61,930,000 |
| Total loans | 36,450,000 | 38,739,000 | 41,457,000 | 41,022,000 |
| Allowance for loan losses | 365,000 | 390,000 | 418,000 | 417,000 |
| Securities available for sale | 13,273,000 | 12,273,000 | 12,821,000 | 12,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,903,000 | 45,629,000 | 46,771,000 | 48,632,000 |
| Interest-bearing deposits | 36,785,000 | 36,467,000 | 37,145,000 | 39,207,000 |
| Noninterest-bearing deposits | 9,118,000 | 9,162,000 | 9,626,000 | 9,425,000 |
| Equity capital | 4,536,000 | 4,497,000 | 4,785,000 | 4,941,000 |
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 | 874,000 | 1,819,000 | 2,837,000 | 3,890,000 |
| Interest expense | 280,000 | 586,000 | 946,000 | 1,321,000 |
| Net interest income | 594,000 | 1,233,000 | 1,891,000 | 2,569,000 |
| Noninterest income | 162,000 | 347,000 | 545,000 | 750,000 |
| Noninterest expense | 576,000 | 1,181,000 | 1,791,000 | 2,462,000 |
| Provision for loan losses | 67,000 | 130,000 | 163,000 | 167,000 |
| Pretax income | 113,000 | 252,000 | 465,000 | 674,000 |
| Income tax | 0 | 0 | 0 | -13,000 |
| Net income | 113,000 | 252,000 | 465,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,695,000 | 4,780,000 | 4,890,000 | 5,010,000 |
| Total capital | 5,061,000 | 5,170,000 | 5,307,000 | 5,427,000 |
| Risk-weighted assets | 38,307,000 | 40,824,000 | 42,813,000 | 44,212,000 |