Call reports 2006
CITIZENS BANK - WAKULLA — 2006
What CITIZENS BANK - WAKULLA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 76,263,000 | 82,791,000 |
| Total loans | 48,027,000 | 55,702,000 |
| Allowance for loan losses | 820,000 | 819,000 |
| Securities available for sale | 16,598,000 | 15,205,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 60,774,000 | 57,603,000 |
| Interest-bearing deposits | 55,469,000 | 51,917,000 |
| Noninterest-bearing deposits | 5,305,000 | 5,686,000 |
| Equity capital | 11,798,000 | 12,084,000 |
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 |
|---|---|---|
| Interest income | 1,066,000 | 2,463,000 |
| Interest expense | 414,000 | 981,000 |
| Net interest income | 652,000 | 1,482,000 |
| Noninterest income | 174,000 | 353,000 |
| Noninterest expense | 381,000 | 702,000 |
| Provision for loan losses | 30,000 | 75,000 |
| Pretax income | 415,000 | 1,052,000 |
| Income tax | 156,000 | 396,000 |
| Net income | 259,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 5,359,000 | 5,790,000 |
| Total capital | 6,018,000 | 6,553,000 |
| Risk-weighted assets | 52,567,000 | 60,986,000 |