Call reports 2006
CITIZENS SAVINGS BANK — 2006
What CITIZENS SAVINGS 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 | 48,769,000 | 48,492,000 | 46,902,000 | 49,458,000 |
| Total loans | 44,458,000 | 40,830,000 | 40,786,000 | 39,994,000 |
| Allowance for loan losses | 207,000 | 206,000 | 204,000 | 205,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 220,000 | 210,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,912,000 | 39,575,000 | 37,975,000 | 40,499,000 |
| Interest-bearing deposits | 34,370,000 | 33,994,000 | 32,459,000 | 32,432,000 |
| Noninterest-bearing deposits | 5,542,000 | 5,581,000 | 5,516,000 | 8,067,000 |
| Equity capital | 3,638,000 | 3,646,000 | 3,627,000 | 3,675,000 |
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 | 715,000 | 1,471,000 | 2,223,000 | 2,989,000 |
| Interest expense | 291,000 | 631,000 | 992,000 | 1,361,000 |
| Net interest income | 424,000 | 840,000 | 1,231,000 | 1,628,000 |
| Noninterest income | 73,000 | 128,000 | 203,000 | 333,000 |
| Noninterest expense | 357,000 | 736,000 | 1,140,000 | 1,535,000 |
| Provision for loan losses | 0 | 1,000 | 0 | 0 |
| Pretax income | 140,000 | 231,000 | 294,000 | 426,000 |
| Income tax | 7,000 | 12,000 | 15,000 | 22,000 |
| Net income | 133,000 | 219,000 | 279,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,638,000 | 3,646,000 | 3,627,000 | 3,675,000 |
| Total capital | 3,845,000 | 3,852,000 | 3,831,000 | 3,880,000 |
| Risk-weighted assets | 36,738,000 | 34,871,000 | 35,014,000 | 36,004,000 |
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