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 | 58,996,000 | 58,560,000 | 58,753,000 | 59,284,000 |
| Total loans | 22,689,000 | 23,675,000 | 24,262,000 | 24,910,000 |
| Allowance for loan losses | 186,000 | 181,000 | 117,000 | 126,000 |
| Securities available for sale | 30,156,000 | 28,837,000 | 28,843,000 | 29,388,000 |
| Securities held to maturity | 1,059,000 | 1,059,000 | 634,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,159,000 | 50,773,000 | 50,569,000 | 50,860,000 |
| Interest-bearing deposits | 45,838,000 | 45,673,000 | 45,753,000 | 46,100,000 |
| Noninterest-bearing deposits | 5,321,000 | 5,100,000 | 4,816,000 | 4,760,000 |
| Equity capital | 7,669,000 | 7,606,000 | 7,965,000 | 7,562,000 |
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 | 825,000 | 1,671,000 | 2,539,000 | 3,421,000 |
| Interest expense | 226,000 | 469,000 | 737,000 | 1,021,000 |
| Net interest income | 599,000 | 1,202,000 | 1,802,000 | 2,400,000 |
| Noninterest income | 103,000 | 198,000 | 282,000 | 356,000 |
| Noninterest expense | 458,000 | 914,000 | 1,355,000 | 1,808,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 237,000 | 478,000 | 721,000 | 937,000 |
| Income tax | 61,000 | 126,000 | 193,000 | 241,000 |
| Net income | 176,000 | 352,000 | 528,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,114,000 | 8,290,000 | 8,466,000 | 7,945,000 |
| Total capital | 8,300,000 | 8,471,000 | 8,583,000 | 8,071,000 |
| Risk-weighted assets | 23,332,000 | 24,152,000 | 24,338,000 | 24,700,000 |
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