Call reports 2006
CITIZENS STATE BANK OF FINLEY, THE — 2006
What CITIZENS STATE BANK OF FINLEY, THE 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 | 58,871,000 | 72,004,000 | 74,300,000 | 72,463,000 |
| Total loans | 44,043,000 | 56,081,000 | 57,133,000 | 54,660,000 |
| Allowance for loan losses | 299,000 | 360,000 | 389,000 | 409,000 |
| Securities available for sale | 3,435,000 | 3,738,000 | 3,786,000 | 3,150,000 |
| Securities held to maturity | 5,508,000 | 5,540,000 | 5,863,000 | 6,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,206,000 | 52,062,000 | 55,486,000 | 60,009,000 |
| Interest-bearing deposits | 43,981,000 | 46,027,000 | 49,243,000 | 51,247,000 |
| Noninterest-bearing deposits | 6,225,000 | 6,035,000 | 6,243,000 | 8,762,000 |
| Equity capital | 4,761,000 | 5,792,000 | 6,049,000 | 5,944,000 |
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 | 880,000 | 1,997,000 | 3,316,000 | 4,601,000 |
| Interest expense | 391,000 | 893,000 | 1,573,000 | 2,200,000 |
| Net interest income | 489,000 | 1,104,000 | 1,743,000 | 2,401,000 |
| Noninterest income | 137,000 | 312,000 | 626,000 | 816,000 |
| Noninterest expense | 625,000 | 1,252,000 | 1,945,000 | 2,700,000 |
| Provision for loan losses | 0 | 60,000 | 90,000 | 110,000 |
| Pretax income | 1,000 | 104,000 | 334,000 | 407,000 |
| Income tax | 0 | 0 | 0 | 9,000 |
| Net income | 1,000 | 104,000 | 334,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,568,000 | 5,626,000 | 5,849,000 | 5,739,000 |
| Total capital | 4,867,000 | 5,986,000 | 6,238,000 | 6,148,000 |
| Risk-weighted assets | 46,319,000 | 56,645,000 | 59,015,000 | 55,675,000 |
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