Call reports 2006
ST. JOSEPH CAPITAL BANK — 2006
What ST. JOSEPH CAPITAL 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 | 458,516,000 | 488,715,000 | 474,920,000 | 492,948,000 |
| Total loans | 345,953,000 | 349,399,000 | 358,103,000 | 337,920,000 |
| Allowance for loan losses | 3,578,000 | 3,578,000 | 3,178,000 | 3,178,000 |
| Securities available for sale | 80,396,000 | 78,703,000 | 79,364,000 | 79,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,517,000 | 377,508,000 | 380,929,000 | 393,365,000 |
| Interest-bearing deposits | 302,449,000 | 347,410,000 | 358,929,000 | 366,510,000 |
| Noninterest-bearing deposits | 29,068,000 | 30,098,000 | 22,000,000 | 26,855,000 |
| Equity capital | 35,319,000 | 35,273,000 | 37,139,000 | 37,695,000 |
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 | 6,201,000 | 12,797,000 | 19,669,000 | 26,474,000 |
| Interest expense | 3,691,000 | 7,943,000 | 12,498,000 | 17,078,000 |
| Net interest income | 2,510,000 | 4,854,000 | 7,171,000 | 9,396,000 |
| Noninterest income | 239,000 | 511,000 | 757,000 | 995,000 |
| Noninterest expense | 1,882,000 | 3,508,000 | 5,208,000 | 6,989,000 |
| Provision for loan losses | 0 | 0 | -317,000 | -317,000 |
| Pretax income | 867,000 | 1,857,000 | 3,046,000 | 3,728,000 |
| Income tax | 211,000 | 452,000 | 772,000 | 967,000 |
| Net income | 656,000 | 1,405,000 | 2,274,000 | 2,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,368,000 | 37,118,000 | 37,987,000 | 38,474,000 |
| Total capital | 39,946,000 | 40,696,000 | 41,165,000 | 41,652,000 |
| Risk-weighted assets | 356,817,000 | 360,678,000 | 359,549,000 | 346,377,000 |