Call reports 2006
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2006
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 46,543,000 | 47,195,000 | 46,030,000 | 46,255,000 |
| Total loans | 31,943,000 | 32,648,000 | 32,816,000 | 32,730,000 |
| Allowance for loan losses | 459,000 | 490,000 | 499,000 | 561,000 |
| Securities available for sale | 1,589,000 | 1,575,000 | 1,590,000 | 1,839,000 |
| Securities held to maturity | 3,575,000 | 3,830,000 | 2,878,000 | 2,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,747,000 | 40,310,000 | 38,817,000 | 39,103,000 |
| Interest-bearing deposits | 32,726,000 | 32,093,000 | 32,274,000 | 32,153,000 |
| Noninterest-bearing deposits | 7,021,000 | 8,217,000 | 6,543,000 | 6,950,000 |
| Equity capital | 6,537,000 | 6,534,000 | 6,759,000 | 6,795,000 |
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 | 838,000 | 1,707,000 | 2,597,000 | 3,520,000 |
| Interest expense | 229,000 | 479,000 | 756,000 | 1,048,000 |
| Net interest income | 609,000 | 1,228,000 | 1,841,000 | 2,472,000 |
| Noninterest income | 86,000 | 178,000 | 282,000 | 362,000 |
| Noninterest expense | 348,000 | 689,000 | 1,051,000 | 1,440,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 385,000 |
| Pretax income | 317,000 | 657,000 | 982,000 | 1,009,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 657,000 | 982,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,574,000 | 6,584,000 | 6,794,000 | 6,820,000 |
| Total capital | 6,975,000 | 6,994,000 | 7,201,000 | 7,226,000 |
| Risk-weighted assets | 32,018,000 | 32,725,000 | 32,453,000 | 32,349,000 |
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