Call reports 2006
STATE BANK OF SAUNEMIN — 2006
What STATE BANK OF SAUNEMIN 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 | 22,075,000 | 21,502,000 | 22,315,000 | 24,314,000 |
| Total loans | 12,096,000 | 12,047,000 | 12,805,000 | 12,975,000 |
| Allowance for loan losses | 194,000 | 199,000 | 201,000 | 204,000 |
| Securities available for sale | 6,784,000 | 6,764,000 | 6,663,000 | 6,313,000 |
| Securities held to maturity | 524,000 | 524,000 | 622,000 | 623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,049,000 | 19,372,000 | 19,538,000 | 22,131,000 |
| Interest-bearing deposits | 17,396,000 | 17,108,000 | 17,268,000 | 17,917,000 |
| Noninterest-bearing deposits | 2,653,000 | 2,264,000 | 2,270,000 | 4,214,000 |
| Equity capital | 1,920,000 | 1,910,000 | 2,020,000 | 2,085,000 |
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 | 298,000 | 606,000 | 920,000 | 1,249,000 |
| Interest expense | 108,000 | 233,000 | 363,000 | 503,000 |
| Net interest income | 190,000 | 373,000 | 557,000 | 746,000 |
| Noninterest income | 21,000 | 45,000 | 67,000 | 90,000 |
| Noninterest expense | 160,000 | 293,000 | 442,000 | 596,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 48,000 | 119,000 | 173,000 | 226,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 3,000 |
| Net income | 47,000 | 116,000 | 169,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,035,000 | 2,059,000 | 2,087,000 | 2,141,000 |
| Total capital | 2,203,000 | 2,226,000 | 2,263,000 | 2,326,000 |
| Risk-weighted assets | 13,435,000 | 13,302,000 | 14,089,000 | 14,743,000 |