Call reports 2006
STOCK EXCHANGE BANK, THE — 2006
What STOCK EXCHANGE BANK, 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 | 137,925,000 | 139,462,000 | 135,756,000 | 140,809,000 |
| Total loans | 49,777,000 | 49,070,000 | 49,815,000 | 50,305,000 |
| Allowance for loan losses | 669,000 | 703,000 | 728,000 | 693,000 |
| Securities available for sale | 39,129,000 | 37,643,000 | 37,342,000 | 35,195,000 |
| Securities held to maturity | 25,864,000 | 30,089,000 | 32,228,000 | 33,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,403,000 | 119,809,000 | 115,136,000 | 120,811,000 |
| Interest-bearing deposits | 96,253,000 | 94,205,000 | 90,483,000 | 94,603,000 |
| Noninterest-bearing deposits | 22,150,000 | 25,604,000 | 24,653,000 | 26,208,000 |
| Equity capital | 18,697,000 | 18,912,000 | 19,768,000 | 19,315,000 |
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 | 1,656,000 | 3,412,000 | 5,232,000 | 7,059,000 |
| Interest expense | 391,000 | 852,000 | 1,375,000 | 1,908,000 |
| Net interest income | 1,265,000 | 2,560,000 | 3,857,000 | 5,151,000 |
| Noninterest income | 319,000 | 649,000 | 968,000 | 1,296,000 |
| Noninterest expense | 972,000 | 1,888,000 | 2,824,000 | 3,813,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 597,000 | 1,291,000 | 1,956,000 | 2,574,000 |
| Income tax | 180,000 | 365,000 | 576,000 | 748,000 |
| Net income | 417,000 | 926,000 | 1,380,000 | 1,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,277,000 | 19,786,000 | 20,240,000 | 19,686,000 |
| Total capital | 19,946,000 | 20,489,000 | 20,968,000 | 20,379,000 |
| Risk-weighted assets | 69,004,000 | 69,315,000 | 68,927,000 | 70,566,000 |