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 | 48,125,000 | 47,611,000 | 49,221,000 | 47,391,000 |
| Total loans | 19,225,000 | 19,812,000 | 19,617,000 | 19,983,000 |
| Allowance for loan losses | 451,000 | 446,000 | 431,000 | 430,000 |
| Securities available for sale | 20,773,000 | 20,727,000 | 18,867,000 | 20,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,158,000 | 39,661,000 | 40,905,000 | 39,138,000 |
| Interest-bearing deposits | 34,311,000 | 34,479,000 | 34,955,000 | 34,169,000 |
| Noninterest-bearing deposits | 5,847,000 | 5,182,000 | 5,950,000 | 4,969,000 |
| Equity capital | 7,807,000 | 7,798,000 | 8,133,000 | 8,040,000 |
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 | 647,000 | 1,328,000 | 2,010,000 | 2,705,000 |
| Interest expense | 107,000 | 225,000 | 359,000 | 503,000 |
| Net interest income | 540,000 | 1,103,000 | 1,651,000 | 2,202,000 |
| Noninterest income | 41,000 | 87,000 | 130,000 | 174,000 |
| Noninterest expense | 380,000 | 787,000 | 1,160,000 | 1,558,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 94,000 |
| Pretax income | 186,000 | 373,000 | 576,000 | 724,000 |
| Income tax | 29,000 | 60,000 | 97,000 | 117,000 |
| Net income | 157,000 | 313,000 | 479,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,885,000 | 7,971,000 | 8,137,000 | 8,062,000 |
| Total capital | 8,185,000 | 8,275,000 | 8,441,000 | 8,362,000 |
| Risk-weighted assets | 23,825,000 | 24,215,000 | 24,160,000 | 23,881,000 |
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