Call reports 2006
STATE BANK — 2006
What 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 | 227,710,000 | 237,251,000 | 235,637,000 | 234,263,000 |
| Total loans | 139,768,000 | 143,980,000 | 146,919,000 | 151,811,000 |
| Allowance for loan losses | 1,578,000 | 1,609,000 | 1,634,000 | 1,678,000 |
| Securities available for sale | 36,711,000 | 34,411,000 | 35,079,000 | 35,687,000 |
| Securities held to maturity | 20,875,000 | 23,270,000 | 23,502,000 | 23,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,319,000 | 207,061,000 | 204,164,000 | 201,407,000 |
| Interest-bearing deposits | 159,438,000 | 170,027,000 | 169,542,000 | 166,583,000 |
| Noninterest-bearing deposits | 37,881,000 | 37,035,000 | 34,621,000 | 34,825,000 |
| Equity capital | 28,772,000 | 28,750,000 | 29,650,000 | 29,868,000 |
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 | 2,843,000 | 5,871,000 | 9,054,000 | 12,316,000 |
| Interest expense | 899,000 | 1,966,000 | 3,148,000 | 4,440,000 |
| Net interest income | 1,944,000 | 3,905,000 | 5,906,000 | 7,876,000 |
| Noninterest income | 528,000 | 1,139,000 | 1,689,000 | 2,300,000 |
| Noninterest expense | 1,695,000 | 3,460,000 | 5,174,000 | 7,055,000 |
| Provision for loan losses | 40,000 | 81,000 | 122,000 | 162,000 |
| Pretax income | 737,000 | 1,503,000 | 2,299,000 | 2,959,000 |
| Income tax | 153,000 | 312,000 | 467,000 | 567,000 |
| Net income | 584,000 | 1,191,000 | 1,832,000 | 2,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,262,000 | 29,393,000 | 30,033,000 | 30,120,000 |
| Total capital | 30,840,000 | 31,002,000 | 31,667,000 | 31,798,000 |
| Risk-weighted assets | 153,933,000 | 158,854,000 | 161,340,000 | 165,642,000 |