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 | 49,964,000 | 53,273,000 | 55,159,000 | 55,038,000 |
| Total loans | 12,464,000 | 12,540,000 | 12,321,000 | 12,873,000 |
| Allowance for loan losses | 413,000 | 434,000 | 443,000 | 319,000 |
| Securities available for sale | 29,893,000 | 35,210,000 | 35,715,000 | 35,423,000 |
| Securities held to maturity | 1,088,000 | 1,091,000 | 1,494,000 | 1,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,020,000 | 34,552,000 | 35,588,000 | 35,675,000 |
| Interest-bearing deposits | 31,170,000 | 29,951,000 | 30,625,000 | 29,848,000 |
| Noninterest-bearing deposits | 4,850,000 | 4,601,000 | 4,963,000 | 5,827,000 |
| Equity capital | 8,755,000 | 8,540,000 | 9,294,000 | 9,031,000 |
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 | 697,000 | 1,409,000 | 2,205,000 | 2,990,000 |
| Interest expense | 285,000 | 592,000 | 986,000 | 1,377,000 |
| Net interest income | 412,000 | 817,000 | 1,219,000 | 1,613,000 |
| Noninterest income | 49,000 | 98,000 | 149,000 | 209,000 |
| Noninterest expense | 221,000 | 444,000 | 673,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 243,000 | 474,000 | 731,000 | 866,000 |
| Income tax | 62,000 | 133,000 | 205,000 | 255,000 |
| Net income | 181,000 | 341,000 | 526,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,011,000 | 9,170,000 | 9,433,000 | 9,144,000 |
| Total capital | 9,280,000 | 9,452,000 | 9,714,000 | 9,427,000 |
| Risk-weighted assets | 21,396,000 | 22,413,000 | 22,295,000 | 22,629,000 |
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