Call reports 2006
CITIZENS FIRST STATE BANK OF WALNUT — 2006
What CITIZENS FIRST STATE BANK OF WALNUT 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 | 70,346,000 | 71,641,000 | 71,239,000 | 69,111,000 |
| Total loans | 59,728,000 | 61,326,000 | 60,450,000 | 57,422,000 |
| Allowance for loan losses | 557,000 | 555,000 | 562,000 | 547,000 |
| Securities available for sale | 5,880,000 | 5,730,000 | 5,634,000 | 5,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,790,000 | 52,262,000 | 54,054,000 | 56,536,000 |
| Interest-bearing deposits | 45,734,000 | 46,194,000 | 48,134,000 | 50,297,000 |
| Noninterest-bearing deposits | 6,056,000 | 6,068,000 | 5,920,000 | 6,239,000 |
| Equity capital | 5,487,000 | 5,546,000 | 5,643,000 | 5,710,000 |
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 | 1,047,000 | 2,162,000 | 3,331,000 | 4,479,000 |
| Interest expense | 460,000 | 978,000 | 1,549,000 | 2,115,000 |
| Net interest income | 587,000 | 1,184,000 | 1,782,000 | 2,364,000 |
| Noninterest income | 43,000 | 92,000 | 138,000 | 185,000 |
| Noninterest expense | 457,000 | 933,000 | 1,436,000 | 1,913,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 30,000 |
| Pretax income | 146,000 | 298,000 | 411,000 | 587,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 7,000 |
| Net income | 145,000 | 295,000 | 406,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,027,000 | 5,111,000 | 5,141,000 | 5,204,000 |
| Total capital | 5,584,000 | 5,666,000 | 5,703,000 | 5,751,000 |
| Risk-weighted assets | 54,634,000 | 55,547,000 | 54,474,000 | 52,191,000 |
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