Call reports 2006
CITIZENS STATE BANK OF LOYAL — 2006
What CITIZENS STATE BANK OF LOYAL 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 | 108,348,000 | 110,754,000 | 112,817,000 | 115,365,000 |
| Total loans | 77,143,000 | 81,251,000 | 83,884,000 | 86,671,000 |
| Allowance for loan losses | 1,005,000 | 1,048,000 | 1,101,000 | 1,137,000 |
| Securities available for sale | 18,463,000 | 18,606,000 | 19,173,000 | 19,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,679,000 | 82,635,000 | 80,272,000 | 84,717,000 |
| Interest-bearing deposits | 70,272,000 | 72,958,000 | 71,094,000 | 74,160,000 |
| Noninterest-bearing deposits | 9,407,000 | 9,677,000 | 9,178,000 | 10,557,000 |
| Equity capital | 10,989,000 | 10,970,000 | 11,308,000 | 11,381,000 |
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 | 1,571,000 | 3,272,000 | 5,027,000 | 6,840,000 |
| Interest expense | 714,000 | 1,524,000 | 2,421,000 | 3,371,000 |
| Net interest income | 857,000 | 1,748,000 | 2,606,000 | 3,469,000 |
| Noninterest income | 237,000 | 423,000 | 573,000 | 752,000 |
| Noninterest expense | 698,000 | 1,396,000 | 2,059,000 | 2,740,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 366,000 | 715,000 | 1,030,000 | 1,361,000 |
| Income tax | 72,000 | 163,000 | 241,000 | 311,000 |
| Net income | 294,000 | 552,000 | 789,000 | 1,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,935,000 | 10,994,000 | 11,231,000 | 11,292,000 |
| Total capital | 11,940,000 | 12,042,000 | 12,314,000 | 12,411,000 |
| Risk-weighted assets | 80,408,000 | 84,635,000 | 86,659,000 | 89,491,000 |
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