Call reports 2006
COMMUNITY BANK OF PICKENS COUNTY — 2006
What COMMUNITY BANK OF PICKENS COUNTY 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 | 202,670,000 | 212,733,000 | 216,617,000 | 223,385,000 |
| Total loans | 169,734,000 | 175,731,000 | 178,848,000 | 182,349,000 |
| Allowance for loan losses | 1,920,000 | 1,903,000 | 2,068,000 | 2,072,000 |
| Securities available for sale | 23,196,000 | 23,849,000 | 24,022,000 | 24,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,757,000 | 190,581,000 | 193,376,000 | 199,441,000 |
| Interest-bearing deposits | 174,947,000 | 176,186,000 | 179,037,000 | 184,321,000 |
| Noninterest-bearing deposits | 7,810,000 | 14,395,000 | 14,339,000 | 15,120,000 |
| Equity capital | 14,929,000 | 17,072,000 | 17,957,000 | 18,859,000 |
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 | 3,592,000 | 7,572,000 | 11,796,000 | 16,184,000 |
| Interest expense | 1,802,000 | 3,779,000 | 5,946,000 | 8,274,000 |
| Net interest income | 1,790,000 | 3,793,000 | 5,850,000 | 7,910,000 |
| Noninterest income | 171,000 | 412,000 | 603,000 | 853,000 |
| Noninterest expense | 870,000 | 1,736,000 | 2,691,000 | 3,651,000 |
| Provision for loan losses | 192,000 | 472,000 | 622,000 | 722,000 |
| Pretax income | 901,000 | 2,000,000 | 3,143,000 | 4,393,000 |
| Income tax | 330,000 | 735,000 | 1,161,000 | 1,625,000 |
| Net income | 571,000 | 1,265,000 | 1,982,000 | 2,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,276,000 | 17,570,000 | 18,287,000 | 19,073,000 |
| Total capital | 17,196,000 | 19,473,000 | 20,355,000 | 21,145,000 |
| Risk-weighted assets | 160,711,000 | 168,025,000 | 171,258,000 | 175,761,000 |