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 | 30,822,000 | 29,992,000 | 29,639,000 | 31,727,000 |
| Total loans | 12,875,000 | 17,199,000 | 20,565,000 | 18,249,000 |
| Allowance for loan losses | 148,000 | 117,000 | 179,000 | 153,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,171,000 | 4,079,000 | 3,471,000 | 3,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,354,000 | 27,391,000 | 26,989,000 | 29,084,000 |
| Interest-bearing deposits | 23,477,000 | 23,101,000 | 23,606,000 | 24,801,000 |
| Noninterest-bearing deposits | 4,877,000 | 4,290,000 | 3,383,000 | 4,283,000 |
| Equity capital | 2,346,000 | 2,372,000 | 2,395,000 | 2,415,000 |
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 | 447,000 | 930,000 | 1,499,000 | 2,065,000 |
| Interest expense | 184,000 | 388,000 | 607,000 | 857,000 |
| Net interest income | 263,000 | 542,000 | 892,000 | 1,208,000 |
| Noninterest income | 44,000 | 99,000 | 130,000 | 176,000 |
| Noninterest expense | 218,000 | 456,000 | 667,000 | 944,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 65,000 |
| Pretax income | 89,000 | 185,000 | 335,000 | 375,000 |
| Income tax | -25,000 | 45,000 | 98,000 | 117,000 |
| Net income | 114,000 | 140,000 | 237,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,346,000 | 2,372,000 | 2,395,000 | 2,415,000 |
| Total capital | 2,494,000 | 2,489,000 | 2,574,000 | 2,568,000 |
| Risk-weighted assets | 19,578,000 | 20,687,000 | 21,787,000 | 20,925,000 |
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