Call reports 2006
CITIZENS BANK OF LOGAN, THE — 2006
What CITIZENS BANK OF LOGAN, THE 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 | 193,686,000 | 201,055,000 | 212,046,000 | 216,436,000 |
| Total loans | 149,437,000 | 151,416,000 | 152,417,000 | 159,179,000 |
| Allowance for loan losses | 2,528,000 | 2,566,000 | 2,541,000 | 2,483,000 |
| Securities available for sale | 32,317,000 | 36,193,000 | 39,106,000 | 43,484,000 |
| Securities held to maturity | 344,000 | 295,000 | 245,000 | 187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,877,000 | 178,893,000 | 188,283,000 | 190,218,000 |
| Interest-bearing deposits | 155,308,000 | 160,126,000 | 171,246,000 | 171,013,000 |
| Noninterest-bearing deposits | 16,569,000 | 18,767,000 | 17,037,000 | 19,205,000 |
| Equity capital | 17,215,000 | 17,668,000 | 18,517,000 | 18,418,000 |
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 | 3,222,000 | 6,637,000 | 10,313,000 | 14,113,000 |
| Interest expense | 1,210,000 | 2,594,000 | 4,162,000 | 5,950,000 |
| Net interest income | 2,012,000 | 4,043,000 | 6,151,000 | 8,163,000 |
| Noninterest income | 352,000 | 773,000 | 1,232,000 | 1,652,000 |
| Noninterest expense | 1,521,000 | 3,006,000 | 4,648,000 | 6,349,000 |
| Provision for loan losses | 173,000 | 275,000 | 380,000 | 473,000 |
| Pretax income | 670,000 | 1,535,000 | 2,355,000 | 2,978,000 |
| Income tax | 201,000 | 461,000 | 705,000 | 799,000 |
| Net income | 469,000 | 1,074,000 | 1,650,000 | 2,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,234,000 | 17,834,000 | 18,415,000 | 18,304,000 |
| Total capital | 19,214,000 | 19,878,000 | 20,535,000 | 20,488,000 |
| Risk-weighted assets | 157,829,000 | 163,013,000 | 169,184,000 | 174,402,000 |