Call reports 2006
CITIZENS STATE BANK OF LANKIN — 2006
What CITIZENS STATE BANK OF LANKIN 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 | 44,576,000 | 50,871,000 | 55,816,000 | 54,955,000 |
| Total loans | 34,235,000 | 41,104,000 | 45,924,000 | 41,490,000 |
| Allowance for loan losses | 874,000 | 575,000 | 1,369,000 | 736,000 |
| Securities available for sale | 7,259,000 | 6,634,000 | 6,808,000 | 6,808,000 |
| Securities held to maturity | 28,000 | 28,000 | 28,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,725,000 | 44,571,000 | 49,785,000 | 50,300,000 |
| Interest-bearing deposits | 34,969,000 | 39,659,000 | 46,319,000 | 46,284,000 |
| Noninterest-bearing deposits | 3,756,000 | 4,912,000 | 3,466,000 | 4,016,000 |
| Equity capital | 4,141,000 | 4,221,000 | 4,045,000 | 4,171,000 |
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 | 790,000 | 1,693,000 | 2,724,000 | 3,645,000 |
| Interest expense | 282,000 | 631,000 | 1,119,000 | 1,628,000 |
| Net interest income | 508,000 | 1,062,000 | 1,605,000 | 2,017,000 |
| Noninterest income | 31,000 | 71,000 | 106,000 | 141,000 |
| Noninterest expense | 344,000 | 655,000 | 1,008,000 | 1,382,000 |
| Provision for loan losses | 0 | -300,000 | 500,000 | 500,000 |
| Pretax income | 195,000 | 778,000 | 203,000 | 276,000 |
| Income tax | 224,000 | 265,000 | 280,000 | 229,000 |
| Net income | -29,000 | 513,000 | -77,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,178,000 | 4,478,000 | 4,138,000 | 4,262,000 |
| Total capital | 4,649,000 | 5,027,000 | 4,742,000 | 4,829,000 |
| Risk-weighted assets | 37,267,000 | 43,857,000 | 47,541,000 | 45,165,000 |