Call reports 2006
STONE CITY BANK OF BEDFORD, INDIANA — 2006
What STONE CITY BANK OF BEDFORD, INDIANA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 68,529,000 | 68,017,000 |
| Total loans | 47,830,000 | 46,828,000 |
| Allowance for loan losses | 497,000 | 495,000 |
| Securities available for sale | 5,561,000 | 5,174,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 49,590,000 | 48,006,000 |
| Interest-bearing deposits | 40,765,000 | 39,497,000 |
| Noninterest-bearing deposits | 8,825,000 | 8,509,000 |
| Equity capital | 10,559,000 | 11,725,000 |
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 |
|---|---|---|
| Interest income | 1,019,000 | 2,072,000 |
| Interest expense | 326,000 | 669,000 |
| Net interest income | 693,000 | 1,403,000 |
| Noninterest income | 89,000 | 195,000 |
| Noninterest expense | 602,000 | 1,205,000 |
| Provision for loan losses | 30,000 | 215,000 |
| Pretax income | 150,000 | 178,000 |
| Income tax | 44,000 | 42,000 |
| Net income | 106,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 3,669,000 | 5,006,000 |
| Total capital | 4,166,000 | 5,501,000 |
| Risk-weighted assets | 49,455,000 | 48,358,000 |