Call reports 2006
CITIZENS STATE BANK AND TRUST COMPANY — 2006
What CITIZENS STATE BANK AND TRUST COMPANY 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 | 60,114,000 | 59,283,000 | 58,620,000 | 56,394,000 |
| Total loans | 30,270,000 | 32,077,000 | 33,244,000 | 32,780,000 |
| Allowance for loan losses | 446,000 | 433,000 | 421,000 | 415,000 |
| Securities available for sale | 23,743,000 | 21,854,000 | 20,435,000 | 19,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,982,000 | 48,351,000 | 45,584,000 | 46,474,000 |
| Interest-bearing deposits | 40,866,000 | 38,472,000 | 36,996,000 | 36,770,000 |
| Noninterest-bearing deposits | 10,116,000 | 9,879,000 | 8,588,000 | 9,704,000 |
| Equity capital | 8,959,000 | 8,994,000 | 9,422,000 | 9,624,000 |
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 | 832,000 | 1,699,000 | 2,566,000 | 3,442,000 |
| Interest expense | 168,000 | 370,000 | 599,000 | 827,000 |
| Net interest income | 664,000 | 1,329,000 | 1,967,000 | 2,615,000 |
| Noninterest income | 136,000 | 278,000 | 480,000 | 704,000 |
| Noninterest expense | 480,000 | 962,000 | 1,450,000 | 1,988,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 258,000 | 583,000 | 935,000 | 1,269,000 |
| Income tax | 15,000 | 24,000 | 33,000 | 42,000 |
| Net income | 243,000 | 559,000 | 902,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,320,000 | 9,475,000 | 9,653,000 | 9,812,000 |
| Total capital | 9,765,000 | 9,908,000 | 10,074,000 | 10,227,000 |
| Risk-weighted assets | 37,277,000 | 37,258,000 | 38,093,000 | 37,362,000 |