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 | 78,618,000 | 79,808,000 | 76,394,000 | 71,351,000 |
| Total loans | 64,376,000 | 60,540,000 | 58,588,000 | 56,544,000 |
| Allowance for loan losses | 623,000 | 642,000 | 631,000 | 607,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,142,000 | 5,633,000 | 5,645,000 | 4,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,353,000 | 60,001,000 | 60,053,000 | 54,755,000 |
| Interest-bearing deposits | 43,744,000 | 38,922,000 | 39,505,000 | 37,421,000 |
| Noninterest-bearing deposits | 22,609,000 | 21,079,000 | 20,547,000 | 17,334,000 |
| Equity capital | 8,000,000 | 8,251,000 | 8,481,000 | 8,515,000 |
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 | 1,262,000 | 2,671,000 | 4,087,000 | 5,436,000 |
| Interest expense | 328,000 | 764,000 | 1,227,000 | 1,673,000 |
| Net interest income | 934,000 | 1,907,000 | 2,860,000 | 3,763,000 |
| Noninterest income | 102,000 | 232,000 | 348,000 | 469,000 |
| Noninterest expense | 665,000 | 1,350,000 | 2,046,000 | 2,728,000 |
| Provision for loan losses | 24,000 | 46,000 | 46,000 | 46,000 |
| Pretax income | 347,000 | 743,000 | 1,116,000 | 1,458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 347,000 | 743,000 | 1,116,000 | 1,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,000,000 | 8,251,000 | 8,481,000 | 8,515,000 |
| Total capital | 8,623,000 | 8,893,000 | 9,112,000 | 9,122,000 |
| Risk-weighted assets | 62,817,000 | 59,835,000 | 58,539,000 | 57,002,000 |