Call reports 2006
ROBERT LEE STATE BANK — 2006
What ROBERT LEE STATE 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 | 38,012,000 | 36,893,000 | 37,023,000 | 38,312,000 |
| Total loans | 18,144,000 | 17,480,000 | 16,478,000 | 15,902,000 |
| Allowance for loan losses | 586,000 | 584,000 | 442,000 | 450,000 |
| Securities available for sale | 5,528,000 | 6,728,000 | 7,211,000 | 7,463,000 |
| Securities held to maturity | 6,801,000 | 7,220,000 | 7,160,000 | 8,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,183,000 | 31,124,000 | 31,262,000 | 32,341,000 |
| Interest-bearing deposits | 25,057,000 | 24,924,000 | 24,547,000 | 25,025,000 |
| Noninterest-bearing deposits | 7,126,000 | 6,201,000 | 6,715,000 | 7,316,000 |
| Equity capital | 3,867,000 | 3,846,000 | 3,921,000 | 4,204,000 |
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 | 554,000 | 1,105,000 | 1,635,000 | 2,184,000 |
| Interest expense | 195,000 | 405,000 | 626,000 | 864,000 |
| Net interest income | 359,000 | 700,000 | 1,009,000 | 1,320,000 |
| Noninterest income | 50,000 | 130,000 | 181,000 | 236,000 |
| Noninterest expense | 325,000 | 677,000 | 997,000 | 1,342,000 |
| Provision for loan losses | 70,000 | 150,000 | 150,000 | 170,000 |
| Pretax income | 14,000 | 3,000 | 43,000 | 44,000 |
| Income tax | 12,000 | 5,000 | 8,000 | -243,000 |
| Net income | 2,000 | -2,000 | 35,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,925,000 | 3,921,000 | 3,960,000 | 4,219,000 |
| Total capital | 4,202,000 | 4,210,000 | 4,229,000 | 4,503,000 |
| Risk-weighted assets | 21,904,000 | 22,811,000 | 21,363,000 | 21,861,000 |