Call reports 2006
BIPPUS STATE BANK, THE — 2006
What BIPPUS STATE BANK, THE 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 | 99,868,000 | 103,234,000 | 105,159,000 | 103,082,000 |
| Total loans | 69,611,000 | 74,693,000 | 76,539,000 | 74,393,000 |
| Allowance for loan losses | 684,000 | 722,000 | 684,000 | 710,000 |
| Securities available for sale | 20,140,000 | 19,657,000 | 19,449,000 | 18,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,728,000 | 82,717,000 | 86,121,000 | 82,770,000 |
| Interest-bearing deposits | 74,394,000 | 76,120,000 | 79,336,000 | 75,611,000 |
| Noninterest-bearing deposits | 6,334,000 | 6,598,000 | 6,786,000 | 7,159,000 |
| Equity capital | 8,235,000 | 8,185,000 | 8,408,000 | 8,668,000 |
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 | 1,459,000 | 3,029,000 | 4,681,000 | 6,351,000 |
| Interest expense | 593,000 | 1,260,000 | 2,014,000 | 2,757,000 |
| Net interest income | 866,000 | 1,769,000 | 2,667,000 | 3,594,000 |
| Noninterest income | 176,000 | 426,000 | 1,125,000 | 1,579,000 |
| Noninterest expense | 786,000 | 1,626,000 | 2,957,000 | 3,944,000 |
| Provision for loan losses | 48,000 | 111,000 | 195,000 | 289,000 |
| Pretax income | 208,000 | 458,000 | 637,000 | 917,000 |
| Income tax | 41,000 | 118,000 | 120,000 | 171,000 |
| Net income | 167,000 | 340,000 | 517,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,345,000 | 8,466,000 | 7,857,000 | 8,084,000 |
| Total capital | 9,029,000 | 9,188,000 | 8,541,000 | 8,794,000 |
| Risk-weighted assets | 73,713,000 | 80,984,000 | 81,194,000 | 79,444,000 |