Call reports 2006
CITIZENS STATE BANK OF CROPSEY — 2006
What CITIZENS STATE BANK OF CROPSEY 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 | 26,936,000 | 27,190,000 | 28,731,000 | 28,839,000 |
| Total loans | 21,550,000 | 20,133,000 | 21,629,000 | 20,963,000 |
| Allowance for loan losses | 209,000 | 215,000 | 191,000 | 191,000 |
| Securities available for sale | 2,624,000 | 2,564,000 | 2,802,000 | 2,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,505,000 | 22,891,000 | 24,406,000 | 24,494,000 |
| Interest-bearing deposits | 19,958,000 | 20,855,000 | 21,453,000 | 21,681,000 |
| Noninterest-bearing deposits | 2,547,000 | 2,036,000 | 2,953,000 | 2,813,000 |
| Equity capital | 2,305,000 | 2,309,000 | 2,345,000 | 2,367,000 |
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 | 397,000 | 809,000 | 1,248,000 | 1,718,000 |
| Interest expense | 166,000 | 353,000 | 564,000 | 789,000 |
| Net interest income | 231,000 | 456,000 | 684,000 | 929,000 |
| Noninterest income | 21,000 | 54,000 | 72,000 | 90,000 |
| Noninterest expense | 209,000 | 417,000 | 638,000 | 790,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 37,000 | 81,000 | 100,000 | 205,000 |
| Income tax | 12,000 | 26,000 | 31,000 | 66,000 |
| Net income | 25,000 | 55,000 | 69,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,344,000 | 2,368,000 | 2,390,000 | 2,397,000 |
| Total capital | 2,553,000 | 2,583,000 | 2,581,000 | 2,588,000 |
| Risk-weighted assets | 23,074,000 | 22,046,000 | 23,422,000 | 23,231,000 |