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 | 63,322,000 | 63,775,000 | 65,830,000 | 67,023,000 |
| Total loans | 31,937,000 | 31,899,000 | 32,963,000 | 33,128,000 |
| Allowance for loan losses | 1,111,000 | 1,098,000 | 1,068,000 | 944,000 |
| Securities available for sale | 25,468,000 | 25,086,000 | 24,789,000 | 27,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,736,000 | 56,067,000 | 57,783,000 | 56,788,000 |
| Interest-bearing deposits | 49,245,000 | 49,240,000 | 50,058,000 | 50,209,000 |
| Noninterest-bearing deposits | 6,491,000 | 6,827,000 | 7,724,000 | 6,578,000 |
| Equity capital | 6,953,000 | 6,937,000 | 7,196,000 | 7,197,000 |
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 | 934,000 | 1,870,000 | 2,816,000 | 3,825,000 |
| Interest expense | 307,000 | 648,000 | 1,019,000 | 1,421,000 |
| Net interest income | 627,000 | 1,222,000 | 1,797,000 | 2,404,000 |
| Noninterest income | 210,000 | 396,000 | 570,000 | 755,000 |
| Noninterest expense | 681,000 | 1,378,000 | 2,084,000 | 2,813,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 156,000 | 240,000 | 283,000 | 346,000 |
| Income tax | -17,000 | -35,000 | -51,000 | 40,000 |
| Net income | 173,000 | 275,000 | 334,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,263,000 | 7,365,000 | 7,376,000 | 7,348,000 |
| Total capital | 7,470,000 | 7,579,000 | 7,606,000 | 7,589,000 |
| Risk-weighted assets | 38,036,000 | 38,490,000 | 39,682,000 | 40,187,000 |
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