Call reports 2006
STATE BANK OF SCHALLER — 2006
What STATE BANK OF SCHALLER 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 | 16,775,000 | 17,180,000 | 16,136,000 | 16,216,000 |
| Total loans | 9,105,000 | 9,451,000 | 9,242,000 | 8,852,000 |
| Allowance for loan losses | 217,000 | 220,000 | 222,000 | 222,000 |
| Securities available for sale | 983,000 | 1,572,000 | 1,276,000 | 1,269,000 |
| Securities held to maturity | 5,069,000 | 4,327,000 | 4,321,000 | 4,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,597,000 | 14,939,000 | 13,831,000 | 14,097,000 |
| Interest-bearing deposits | 12,874,000 | 13,235,000 | 11,654,000 | 12,558,000 |
| Noninterest-bearing deposits | 1,723,000 | 1,704,000 | 2,177,000 | 1,539,000 |
| Equity capital | 2,089,000 | 2,144,000 | 2,225,000 | 2,006,000 |
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 | 240,000 | 486,000 | 735,000 | 978,000 |
| Interest expense | 76,000 | 160,000 | 248,000 | 336,000 |
| Net interest income | 164,000 | 326,000 | 487,000 | 642,000 |
| Noninterest income | 83,000 | 166,000 | 249,000 | 472,000 |
| Noninterest expense | 152,000 | 301,000 | 456,000 | 683,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 191,000 | 272,000 | 423,000 |
| Income tax | 21,000 | 58,000 | 73,000 | 145,000 |
| Net income | 74,000 | 133,000 | 199,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,094,000 | 2,153,000 | 2,218,000 | 1,999,000 |
| Total capital | 2,242,000 | 2,302,000 | 2,364,000 | 2,141,000 |
| Risk-weighted assets | 11,807,000 | 11,832,000 | 11,629,000 | 11,288,000 |