Call reports 2006
CITIZENS BANK OF ELDON — 2006
What CITIZENS BANK OF ELDON 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 | 91,019,000 | 91,635,000 | 93,023,000 | 99,350,000 |
| Total loans | 53,849,000 | 53,346,000 | 53,862,000 | 54,542,000 |
| Allowance for loan losses | 370,000 | 357,000 | 387,000 | 462,000 |
| Securities available for sale | 29,515,000 | 28,297,000 | 31,983,000 | 29,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,848,000 | 77,270,000 | 77,411,000 | 84,364,000 |
| Interest-bearing deposits | 60,537,000 | 59,108,000 | 61,837,000 | 68,429,000 |
| Noninterest-bearing deposits | 16,311,000 | 18,162,000 | 15,574,000 | 15,935,000 |
| Equity capital | 13,083,000 | 13,321,000 | 13,720,000 | 13,895,000 |
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 | 1,170,000 | 2,394,000 | 3,675,000 | 5,040,000 |
| Interest expense | 327,000 | 678,000 | 1,081,000 | 1,543,000 |
| Net interest income | 843,000 | 1,716,000 | 2,594,000 | 3,497,000 |
| Noninterest income | 119,000 | 250,000 | 393,000 | 634,000 |
| Noninterest expense | 660,000 | 1,286,000 | 1,940,000 | 2,613,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 150,000 |
| Pretax income | 302,000 | 680,000 | 1,017,000 | 1,368,000 |
| Income tax | 86,000 | 205,000 | 302,000 | 419,000 |
| Net income | 216,000 | 475,000 | 715,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,349,000 | 13,578,000 | 13,761,000 | 13,892,000 |
| Total capital | 13,719,000 | 13,935,000 | 14,148,000 | 14,363,000 |
| Risk-weighted assets | 55,852,000 | 55,385,000 | 55,974,000 | 57,848,000 |
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