Call reports 2006
CITIZENS STATE BANK OF WAVERLY (INCORPORATED) — 2006
What CITIZENS STATE BANK OF WAVERLY (INCORPORATED) 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 | 52,394,000 | 50,163,000 | 46,737,000 | 50,224,000 |
| Total loans | 37,820,000 | 36,723,000 | 36,198,000 | 38,293,000 |
| Allowance for loan losses | 369,000 | 385,000 | 402,000 | 418,000 |
| Securities available for sale | 4,085,000 | 3,352,000 | 4,106,000 | 4,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,448,000 | 43,129,000 | 40,466,000 | 43,271,000 |
| Interest-bearing deposits | 25,364,000 | 26,774,000 | 26,238,000 | 27,149,000 |
| Noninterest-bearing deposits | 20,084,000 | 16,355,000 | 14,228,000 | 16,122,000 |
| Equity capital | 4,071,000 | 4,096,000 | 4,257,000 | 4,352,000 |
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 | 813,000 | 1,640,000 | 2,464,000 | 3,323,000 |
| Interest expense | 181,000 | 372,000 | 558,000 | 744,000 |
| Net interest income | 632,000 | 1,268,000 | 1,906,000 | 2,579,000 |
| Noninterest income | 178,000 | 329,000 | 499,000 | 673,000 |
| Noninterest expense | 529,000 | 1,042,000 | 1,603,000 | 2,196,000 |
| Provision for loan losses | 17,000 | 33,000 | 50,000 | 66,000 |
| Pretax income | 262,000 | 520,000 | 750,000 | 988,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 261,000 | 519,000 | 749,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,091,000 | 4,136,000 | 4,265,000 | 4,362,000 |
| Total capital | 4,460,000 | 4,521,000 | 4,667,000 | 4,780,000 |
| Risk-weighted assets | 40,187,000 | 38,236,000 | 36,805,000 | 39,359,000 |
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