Call reports 2006
CITIZENS STATE BANK, THE — 2006
What CITIZENS STATE BANK, THE 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 | 77,233,000 | 77,713,000 | 74,346,000 | 76,184,000 |
| Total loans | 53,685,000 | 54,814,000 | 52,507,000 | 52,486,000 |
| Allowance for loan losses | 447,000 | 474,000 | 479,000 | 465,000 |
| Securities available for sale | 15,580,000 | 16,676,000 | 15,486,000 | 16,036,000 |
| Securities held to maturity | 529,000 | 520,000 | 504,000 | 471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,846,000 | 61,852,000 | 59,625,000 | 61,476,000 |
| Interest-bearing deposits | 48,263,000 | 49,934,000 | 47,635,000 | 49,005,000 |
| Noninterest-bearing deposits | 11,583,000 | 11,918,000 | 11,990,000 | 12,471,000 |
| Equity capital | 5,540,000 | 5,578,000 | 5,791,000 | 5,875,000 |
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 | 1,187,000 | 2,443,000 | 3,692,000 | 4,924,000 |
| Interest expense | 476,000 | 1,022,000 | 1,541,000 | 2,046,000 |
| Net interest income | 711,000 | 1,421,000 | 2,151,000 | 2,878,000 |
| Noninterest income | 110,000 | 226,000 | 350,000 | 452,000 |
| Noninterest expense | 610,000 | 1,196,000 | 1,787,000 | 2,479,000 |
| Provision for loan losses | 30,000 | 52,000 | 57,000 | 57,000 |
| Pretax income | 181,000 | 399,000 | 657,000 | 794,000 |
| Income tax | 52,000 | 129,000 | 222,000 | 283,000 |
| Net income | 129,000 | 270,000 | 435,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,499,000 | 5,599,000 | 5,721,000 | 5,755,000 |
| Total capital | 5,946,000 | 6,073,000 | 6,200,000 | 6,220,000 |
| Risk-weighted assets | 52,227,000 | 53,632,000 | 51,614,000 | 51,787,000 |
Machine access — free, no API key
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