Call reports 2006
CITIZENS STATE BANK, THE — 2006
What CITIZENS STATE BANK, 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 | 246,119,000 | 252,474,000 | 255,434,000 | 263,088,000 |
| Total loans | 205,782,000 | 211,919,000 | 212,628,000 | 219,038,000 |
| Allowance for loan losses | 2,710,000 | 2,872,000 | 3,024,000 | 2,712,000 |
| Securities available for sale | 29,045,000 | 27,988,000 | 30,415,000 | 31,323,000 |
| Securities held to maturity | 150,000 | 150,000 | 125,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,756,000 | 173,422,000 | 176,367,000 | 183,327,000 |
| Interest-bearing deposits | 154,932,000 | 159,435,000 | 162,062,000 | 164,742,000 |
| Noninterest-bearing deposits | 14,824,000 | 13,987,000 | 14,305,000 | 18,585,000 |
| Equity capital | 24,385,000 | 24,433,000 | 25,128,000 | 25,479,000 |
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 | 3,867,000 | 8,032,000 | 12,409,000 | 17,046,000 |
| Interest expense | 1,619,000 | 3,511,000 | 5,622,000 | 7,851,000 |
| Net interest income | 2,248,000 | 4,521,000 | 6,787,000 | 9,195,000 |
| Noninterest income | 145,000 | 287,000 | 444,000 | 591,000 |
| Noninterest expense | 865,000 | 1,727,000 | 2,520,000 | 3,410,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,378,000 | 2,781,000 | 4,261,000 | 5,776,000 |
| Income tax | 47,000 | 94,000 | 141,000 | 232,000 |
| Net income | 1,331,000 | 2,687,000 | 4,120,000 | 5,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,272,000 | 23,587,000 | 23,875,000 | 24,151,000 |
| Total capital | 25,812,000 | 26,213,000 | 26,539,000 | 26,863,000 |
| Risk-weighted assets | 203,066,000 | 209,863,000 | 212,756,000 | 219,522,000 |
Machine access — free, no API key
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