Call reports 2006
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2006
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 7,290,000 | 6,803,000 | 6,770,000 | 7,060,000 |
| Total loans | 4,107,000 | 4,624,000 | 5,198,000 | 4,601,000 |
| Allowance for loan losses | 52,000 | 52,000 | 52,000 | 59,000 |
| Securities available for sale | 1,843,000 | 1,293,000 | 901,000 | 902,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,345,000 | 5,827,000 | 5,757,000 | 6,064,000 |
| Interest-bearing deposits | 5,557,000 | 5,044,000 | 4,764,000 | 5,029,000 |
| Noninterest-bearing deposits | 788,000 | 782,000 | 993,000 | 1,035,000 |
| Equity capital | 932,000 | 961,000 | 987,000 | 965,000 |
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 | 103,000 | 212,000 | 325,000 | 443,000 |
| Interest expense | 17,000 | 39,000 | 61,000 | 87,000 |
| Net interest income | 86,000 | 173,000 | 264,000 | 356,000 |
| Noninterest income | 11,000 | 20,000 | 30,000 | 46,000 |
| Noninterest expense | 66,000 | 128,000 | 205,000 | 314,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 31,000 | 65,000 | 89,000 | 78,000 |
| Income tax | 8,000 | 13,000 | 18,000 | 26,000 |
| Net income | 23,000 | 52,000 | 71,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 946,000 | 975,000 | 995,000 | 970,000 |
| Total capital | 998,000 | 1,027,000 | 1,047,000 | 1,029,000 |
| Risk-weighted assets | 4,636,000 | 4,938,000 | 5,382,000 | 4,962,000 |
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