Call reports 2006
LINDALE STATE BANK — 2006
What LINDALE 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 | 86,105,000 | 88,069,000 | 92,336,000 | 88,706,000 |
| Total loans | 51,815,000 | 54,045,000 | 54,484,000 | 55,628,000 |
| Allowance for loan losses | 768,000 | 743,000 | 745,000 | 837,000 |
| Securities available for sale | 18,373,000 | 18,256,000 | 17,090,000 | 17,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,981,000 | 78,827,000 | 82,754,000 | 78,856,000 |
| Interest-bearing deposits | 58,433,000 | 60,657,000 | 63,186,000 | 60,994,000 |
| Noninterest-bearing deposits | 18,548,000 | 18,170,000 | 19,568,000 | 17,862,000 |
| Equity capital | 8,675,000 | 8,747,000 | 9,094,000 | 9,412,000 |
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 | 1,060,000 | 2,217,000 | 3,465,000 | 4,736,000 |
| Interest expense | 335,000 | 710,000 | 1,147,000 | 1,591,000 |
| Net interest income | 725,000 | 1,507,000 | 2,318,000 | 3,145,000 |
| Noninterest income | 195,000 | 393,000 | 607,000 | 815,000 |
| Noninterest expense | 576,000 | 1,157,000 | 1,736,000 | 2,322,000 |
| Provision for loan losses | 35,000 | 76,000 | 173,000 | 195,000 |
| Pretax income | 309,000 | 667,000 | 1,016,000 | 1,443,000 |
| Income tax | 105,000 | 227,000 | 336,000 | 481,000 |
| Net income | 204,000 | 440,000 | 680,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,560,000 | 8,592,000 | 9,142,000 | 9,424,000 |
| Total capital | 9,305,000 | 9,335,000 | 9,887,000 | 10,231,000 |
| Risk-weighted assets | 58,818,000 | 60,824,000 | 61,768,000 | 63,733,000 |