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 | 203,271,000 | 202,379,000 | 197,227,000 | 209,038,000 |
| Total loans | 106,950,000 | 111,089,000 | 114,763,000 | 116,012,000 |
| Allowance for loan losses | 1,094,000 | 1,078,000 | 1,175,000 | 1,119,000 |
| Securities available for sale | 65,268,000 | 63,512,000 | 58,652,000 | 54,393,000 |
| Securities held to maturity | 867,000 | 867,000 | 823,000 | 1,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,847,000 | 183,724,000 | 177,188,000 | 188,994,000 |
| Interest-bearing deposits | 148,703,000 | 171,485,000 | 165,693,000 | 173,004,000 |
| Noninterest-bearing deposits | 36,144,000 | 12,239,000 | 11,495,000 | 15,990,000 |
| Equity capital | 17,063,000 | 17,347,000 | 18,371,000 | 18,839,000 |
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 | 2,900,000 | 5,997,000 | 9,253,000 | 12,599,000 |
| Interest expense | 847,000 | 1,782,000 | 2,766,000 | 3,815,000 |
| Net interest income | 2,053,000 | 4,215,000 | 6,487,000 | 8,784,000 |
| Noninterest income | 559,000 | 1,122,000 | 1,691,000 | 2,252,000 |
| Noninterest expense | 1,716,000 | 3,532,000 | 5,271,000 | 7,178,000 |
| Provision for loan losses | 70,000 | 155,000 | 240,000 | 315,000 |
| Pretax income | 826,000 | 1,650,000 | 2,667,000 | 3,543,000 |
| Income tax | 263,000 | 527,000 | 847,000 | 1,127,000 |
| Net income | 563,000 | 1,123,000 | 1,820,000 | 2,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,891,000 | 18,451,000 | 19,128,000 | 19,325,000 |
| Total capital | 18,985,000 | 19,529,000 | 20,303,000 | 20,444,000 |
| Risk-weighted assets | 123,212,000 | 126,112,000 | 128,724,000 | 133,167,000 |