Call reports 2006
CITIZENS BANK OF THE SOUTH — 2006
What CITIZENS BANK OF THE SOUTH 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 | 154,570,000 | 152,003,000 | 153,278,000 | 155,931,000 |
| Total loans | 99,813,000 | 104,774,000 | 106,322,000 | 112,173,000 |
| Allowance for loan losses | 1,291,000 | 1,274,000 | 1,239,000 | 1,256,000 |
| Securities available for sale | 32,827,000 | 33,951,000 | 30,511,000 | 31,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,202,000 | 129,576,000 | 130,199,000 | 134,821,000 |
| Interest-bearing deposits | 114,092,000 | 92,756,000 | 113,971,000 | 118,450,000 |
| Noninterest-bearing deposits | 19,110,000 | 36,820,000 | 16,228,000 | 16,371,000 |
| Equity capital | 14,631,000 | 14,996,000 | 15,517,000 | 15,505,000 |
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 | 2,259,000 | 4,662,000 | 7,157,000 | 9,758,000 |
| Interest expense | 909,000 | 1,918,000 | 2,979,000 | 4,157,000 |
| Net interest income | 1,350,000 | 2,744,000 | 4,178,000 | 5,601,000 |
| Noninterest income | 222,000 | 453,000 | 698,000 | 923,000 |
| Noninterest expense | 1,070,000 | 2,026,000 | 3,025,000 | 4,060,000 |
| Provision for loan losses | 30,000 | 70,000 | 110,000 | 170,000 |
| Pretax income | 472,000 | 1,101,000 | 1,741,000 | 2,294,000 |
| Income tax | 145,000 | 352,000 | 560,000 | 766,000 |
| Net income | 327,000 | 749,000 | 1,181,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,891,000 | 15,314,000 | 15,746,000 | 15,661,000 |
| Total capital | 16,080,000 | 16,526,000 | 16,972,000 | 16,917,000 |
| Risk-weighted assets | 94,983,000 | 96,871,000 | 98,065,000 | 103,255,000 |
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