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 | 72,566,000 | 71,691,000 | 75,149,000 | 82,668,000 |
| Total loans | 51,488,000 | 52,433,000 | 50,465,000 | 49,897,000 |
| Allowance for loan losses | 760,000 | 749,000 | 751,000 | 752,000 |
| Securities available for sale | 15,022,000 | 12,012,000 | 416,000 | 738,000 |
| Securities held to maturity | 383,000 | 379,000 | 369,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,879,000 | 64,254,000 | 67,559,000 | 67,523,000 |
| Interest-bearing deposits | 54,287,000 | 51,423,000 | 55,952,000 | 56,435,000 |
| Noninterest-bearing deposits | 10,592,000 | 12,831,000 | 11,607,000 | 11,088,000 |
| Equity capital | 5,800,000 | 5,698,000 | 6,013,000 | 12,863,000 |
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 | 1,071,000 | 2,217,000 | 3,404,000 | 1,319,000 |
| Interest expense | 253,000 | 530,000 | 849,000 | 344,000 |
| Net interest income | 818,000 | 1,687,000 | 2,555,000 | 975,000 |
| Noninterest income | 93,000 | 165,000 | 244,000 | 61,000 |
| Noninterest expense | 608,000 | 1,184,000 | 1,691,000 | 537,000 |
| Provision for loan losses | 70,000 | 337,000 | 337,000 | 0 |
| Pretax income | 233,000 | 331,000 | 705,000 | 499,000 |
| Income tax | 69,000 | 104,000 | 241,000 | 193,000 |
| Net income | 164,000 | 227,000 | 464,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,864,000 | 5,777,000 | 6,013,000 | 5,001,000 |
| Total capital | 6,514,000 | 6,438,000 | 6,670,000 | 5,657,000 |
| Risk-weighted assets | 51,901,000 | 52,805,000 | 52,428,000 | 52,306,000 |