Call reports 2006
CITIZENS STATE BANK — 2006
What CITIZENS STATE 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 | 41,893,000 | 41,890,000 | 98,823,000 | 104,172,000 |
| Total loans | 37,767,000 | 37,352,000 | 86,701,000 | 90,543,000 |
| Allowance for loan losses | 509,000 | 344,000 | 992,000 | 1,014,000 |
| Securities available for sale | 825,000 | 819,000 | 4,910,000 | 4,847,000 |
| Securities held to maturity | 150,000 | 148,000 | 597,000 | 340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,488,000 | 36,782,000 | 88,795,000 | 93,967,000 |
| Interest-bearing deposits | 32,000,000 | 33,641,000 | 80,053,000 | 81,574,000 |
| Noninterest-bearing deposits | 3,488,000 | 3,141,000 | 8,742,000 | 12,393,000 |
| Equity capital | 3,933,000 | 3,932,000 | 9,468,000 | 9,741,000 |
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 | 697,000 | 1,449,000 | 5,204,000 | 7,141,000 |
| Interest expense | 285,000 | 614,000 | 2,150,000 | 3,037,000 |
| Net interest income | 412,000 | 835,000 | 3,054,000 | 4,104,000 |
| Noninterest income | 99,000 | 180,000 | 501,000 | 688,000 |
| Noninterest expense | 292,000 | 591,000 | 2,071,000 | 2,796,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 219,000 | 424,000 | 1,474,000 | 1,986,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 424,000 | 1,474,000 | 1,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,953,000 | 3,957,000 | 9,392,000 | 9,655,000 |
| Total capital | 4,447,000 | 4,301,000 | 10,384,000 | 10,669,000 |
| Risk-weighted assets | 39,500,000 | 39,243,000 | 89,113,000 | 93,025,000 |
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