Call reports 2006
S&C BANK — 2006
What S&C 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 | 407,949,000 | 403,305,000 | 408,224,000 | 402,470,000 |
| Total loans | 305,965,000 | 299,086,000 | 298,707,000 | 298,565,000 |
| Allowance for loan losses | 4,300,000 | 4,244,000 | 4,202,000 | 3,957,000 |
| Securities available for sale | 64,422,000 | 64,643,000 | 66,615,000 | 69,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,838,000 | 333,394,000 | 335,255,000 | 330,936,000 |
| Interest-bearing deposits | 283,275,000 | 276,635,000 | 277,085,000 | 269,688,000 |
| Noninterest-bearing deposits | 57,563,000 | 56,759,000 | 58,170,000 | 61,248,000 |
| Equity capital | 44,277,000 | 45,117,000 | 47,790,000 | 46,992,000 |
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 | 6,353,000 | 12,937,000 | 19,869,000 | 26,593,000 |
| Interest expense | 2,172,000 | 4,428,000 | 6,835,000 | 9,380,000 |
| Net interest income | 4,181,000 | 8,509,000 | 13,034,000 | 17,213,000 |
| Noninterest income | 1,216,000 | 2,567,000 | 3,961,000 | 5,160,000 |
| Noninterest expense | 3,810,000 | 7,835,000 | 11,693,000 | 15,409,000 |
| Provision for loan losses | 0 | 0 | -1,352,000 | -1,352,000 |
| Pretax income | 1,587,000 | 3,241,000 | 6,654,000 | 8,238,000 |
| Income tax | 497,000 | 1,081,000 | 2,311,000 | 2,746,000 |
| Net income | 1,090,000 | 2,160,000 | 4,343,000 | 5,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,243,000 | 41,324,000 | 43,518,000 | 42,680,000 |
| Total capital | 44,208,000 | 45,193,000 | 47,374,000 | 46,536,000 |
| Risk-weighted assets | 316,842,000 | 309,148,000 | 308,130,000 | 308,418,000 |