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 | 61,625,000 | 63,285,000 | 64,888,000 | 67,112,000 |
| Total loans | 51,195,000 | 53,536,000 | 54,094,000 | 56,342,000 |
| Allowance for loan losses | 411,000 | 415,000 | 400,000 | 404,000 |
| Securities available for sale | 2,601,000 | 2,208,000 | 2,446,000 | 2,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,574,000 | 41,763,000 | 44,877,000 | 48,370,000 |
| Interest-bearing deposits | 37,644,000 | 35,896,000 | 39,375,000 | 41,347,000 |
| Noninterest-bearing deposits | 5,930,000 | 5,867,000 | 5,502,000 | 7,024,000 |
| Equity capital | 7,339,000 | 7,401,000 | 7,516,000 | 7,648,000 |
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 | 902,000 | 1,884,000 | 2,933,000 | 4,019,000 |
| Interest expense | 389,000 | 826,000 | 1,328,000 | 1,863,000 |
| Net interest income | 513,000 | 1,058,000 | 1,605,000 | 2,156,000 |
| Noninterest income | 143,000 | 280,000 | 421,000 | 568,000 |
| Noninterest expense | 423,000 | 847,000 | 1,343,000 | 1,842,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 233,000 | 491,000 | 683,000 | 882,000 |
| Income tax | 87,000 | 180,000 | 253,000 | 327,000 |
| Net income | 146,000 | 311,000 | 430,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,975,000 | 5,046,000 | 5,172,000 | 5,303,000 |
| Total capital | 5,386,000 | 5,461,000 | 5,572,000 | 5,707,000 |
| Risk-weighted assets | 50,427,000 | 52,700,000 | 54,161,000 | 56,881,000 |