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 | 41,866,000 | 40,273,000 | 41,355,000 | 43,254,000 |
| Total loans | 22,210,000 | 22,606,000 | 21,902,000 | 21,592,000 |
| Allowance for loan losses | 258,000 | 267,000 | 263,000 | 249,000 |
| Securities available for sale | 14,034,000 | 13,587,000 | 13,624,000 | 15,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,368,000 | 36,002,000 | 36,816,000 | 38,515,000 |
| Interest-bearing deposits | 28,630,000 | 28,837,000 | 28,879,000 | 29,625,000 |
| Noninterest-bearing deposits | 8,738,000 | 7,165,000 | 7,937,000 | 8,890,000 |
| Equity capital | 4,358,000 | 4,074,000 | 4,289,000 | 4,444,000 |
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 | 653,000 | 1,317,000 | 1,979,000 | 2,687,000 |
| Interest expense | 175,000 | 371,000 | 591,000 | 828,000 |
| Net interest income | 478,000 | 946,000 | 1,388,000 | 1,859,000 |
| Noninterest income | 61,000 | 134,000 | 211,000 | 287,000 |
| Noninterest expense | 339,000 | 666,000 | 999,000 | 1,295,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 194,000 | 402,000 | 582,000 | 827,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 194,000 | 402,000 | 582,000 | 827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,840,000 | 4,734,000 | 4,751,000 | 4,812,000 |
| Total capital | 5,098,000 | 5,001,000 | 5,014,000 | 5,061,000 |
| Risk-weighted assets | 24,599,000 | 24,691,000 | 24,041,000 | 24,134,000 |
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