Call reports 2006
SIMPLYBANK. — 2006
What SIMPLYBANK. 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 | 174,481,000 | 176,408,000 | 177,594,000 | 183,738,000 |
| Total loans | 140,317,000 | 142,439,000 | 142,063,000 | 144,177,000 |
| Allowance for loan losses | 1,577,000 | 1,644,000 | 1,662,000 | 1,709,000 |
| Securities available for sale | 13,736,000 | 14,717,000 | 17,389,000 | 19,144,000 |
| Securities held to maturity | 1,957,000 | 1,509,000 | 1,442,000 | 1,293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,280,000 | 153,712,000 | 154,854,000 | 159,453,000 |
| Interest-bearing deposits | 126,972,000 | 127,090,000 | 127,978,000 | 131,219,000 |
| Noninterest-bearing deposits | 25,308,000 | 26,622,000 | 26,876,000 | 28,234,000 |
| Equity capital | 15,512,000 | 15,608,000 | 15,873,000 | 16,285,000 |
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 | 3,006,000 | 6,179,000 | 9,507,000 | 12,835,000 |
| Interest expense | 981,000 | 2,044,000 | 3,175,000 | 4,320,000 |
| Net interest income | 2,025,000 | 4,135,000 | 6,332,000 | 8,515,000 |
| Noninterest income | 448,000 | 920,000 | 1,358,000 | 1,777,000 |
| Noninterest expense | 1,663,000 | 3,327,000 | 4,969,000 | 6,595,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 735,000 | 1,578,000 | 2,496,000 | 3,397,000 |
| Income tax | 0 | 2,000 | 5,000 | 12,000 |
| Net income | 735,000 | 1,576,000 | 2,491,000 | 3,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,677,000 | 15,921,000 | 16,186,000 | 16,361,000 |
| Total capital | 17,254,000 | 17,565,000 | 17,848,000 | 18,070,000 |
| Risk-weighted assets | 140,712,000 | 143,335,000 | 142,765,000 | 145,834,000 |