Call reports 2006
CITIZENS SAVINGS BANK — 2006
What CITIZENS SAVINGS 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 | 22,761,000 | 22,668,000 | 22,884,000 | 22,137,000 |
| Total loans | 9,017,000 | 9,365,000 | 10,159,000 | 11,343,000 |
| Allowance for loan losses | 134,000 | 135,000 | 132,000 | 132,000 |
| Securities available for sale | 10,655,000 | 10,248,000 | 9,493,000 | 6,322,000 |
| Securities held to maturity | 2,416,000 | 2,351,000 | 2,351,000 | 2,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,287,000 | 15,681,000 | 15,154,000 | 16,295,000 |
| Interest-bearing deposits | 13,694,000 | 14,045,000 | 13,863,000 | 14,194,000 |
| Noninterest-bearing deposits | 1,593,000 | 1,636,000 | 1,291,000 | 2,101,000 |
| Equity capital | 2,817,000 | 2,798,000 | 2,952,000 | 2,987,000 |
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 | 267,000 | 549,000 | 856,000 | 1,176,000 |
| Interest expense | 135,000 | 296,000 | 469,000 | 640,000 |
| Net interest income | 132,000 | 253,000 | 387,000 | 536,000 |
| Noninterest income | 29,000 | 63,000 | 98,000 | 128,000 |
| Noninterest expense | 96,000 | 212,000 | 310,000 | 418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 104,000 | 175,000 | 236,000 |
| Income tax | 4,000 | 7,000 | 12,000 | 16,000 |
| Net income | 61,000 | 97,000 | 163,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,951,000 | 2,937,000 | 2,953,000 | 2,959,000 |
| Total capital | 3,085,000 | 3,072,000 | 3,085,000 | 3,091,000 |
| Risk-weighted assets | 11,840,000 | 12,089,000 | 12,668,000 | 13,412,000 |
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