Call reports 2006
SANDHILLS BANK — 2006
What SANDHILLS 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 | 66,005,000 | 65,641,000 | 70,702,000 | 74,566,000 |
| Total loans | 48,779,000 | 48,456,000 | 53,155,000 | 56,581,000 |
| Allowance for loan losses | 596,000 | 593,000 | 616,000 | 590,000 |
| Securities available for sale | 7,298,000 | 7,256,000 | 8,448,000 | 8,546,000 |
| Securities held to maturity | 3,475,000 | 3,471,000 | 3,467,000 | 3,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,677,000 | 53,236,000 | 58,158,000 | 60,046,000 |
| Interest-bearing deposits | 45,086,000 | 45,172,000 | 48,073,000 | 52,311,000 |
| Noninterest-bearing deposits | 7,591,000 | 8,064,000 | 10,085,000 | 7,735,000 |
| Equity capital | 6,516,000 | 6,500,000 | 6,766,000 | 7,002,000 |
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 | 1,145,000 | 2,326,000 | 3,583,000 | 4,911,000 |
| Interest expense | 372,000 | 828,000 | 1,336,000 | 1,924,000 |
| Net interest income | 773,000 | 1,498,000 | 2,247,000 | 2,987,000 |
| Noninterest income | 371,000 | 852,000 | 990,000 | 1,128,000 |
| Noninterest expense | 949,000 | 2,093,000 | 2,794,000 | 3,524,000 |
| Provision for loan losses | 0 | -44,000 | -19,000 | -19,000 |
| Pretax income | 195,000 | 301,000 | 462,000 | 610,000 |
| Income tax | 57,000 | 83,000 | 131,000 | 175,000 |
| Net income | 138,000 | 218,000 | 331,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,698,000 | 6,778,000 | 6,890,000 | 6,995,000 |
| Total capital | 7,294,000 | 7,371,000 | 7,506,000 | 7,585,000 |
| Risk-weighted assets | 53,175,000 | 55,384,000 | 62,665,000 | 63,872,000 |