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 | 22,782,000 | 23,410,000 | 23,362,000 | 24,131,000 |
| Total loans | 9,004,000 | 8,986,000 | 9,446,000 | 9,398,000 |
| Allowance for loan losses | 68,000 | 111,000 | 155,000 | 86,000 |
| Securities available for sale | 5,616,000 | 6,785,000 | 7,345,000 | 7,713,000 |
| Securities held to maturity | 99,000 | 99,000 | 99,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,253,000 | 20,931,000 | 20,702,000 | 21,364,000 |
| Interest-bearing deposits | 15,629,000 | 15,461,000 | 15,217,000 | 15,889,000 |
| Noninterest-bearing deposits | 4,624,000 | 5,470,000 | 5,485,000 | 5,475,000 |
| Equity capital | 2,450,000 | 2,410,000 | 2,563,000 | 2,640,000 |
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 | 313,000 | 661,000 | 1,027,000 | 1,403,000 |
| Interest expense | 77,000 | 167,000 | 264,000 | 374,000 |
| Net interest income | 236,000 | 494,000 | 763,000 | 1,029,000 |
| Noninterest income | 30,000 | 63,000 | 95,000 | 130,000 |
| Noninterest expense | 179,000 | 360,000 | 534,000 | 727,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 42,000 | 107,000 | 189,000 | 252,000 |
| Income tax | 10,000 | 18,000 | 25,000 | 63,000 |
| Net income | 32,000 | 89,000 | 164,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,659,000 | 2,702,000 | 2,776,000 | 2,787,000 |
| Total capital | 2,727,000 | 2,813,000 | 2,920,000 | 2,873,000 |
| Risk-weighted assets | 11,020,000 | 11,177,000 | 11,471,000 | 11,310,000 |
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