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 | 71,623,000 | 71,929,000 | 71,863,000 | 75,863,000 |
| Total loans | 33,383,000 | 35,359,000 | 36,596,000 | 34,628,000 |
| Allowance for loan losses | 730,000 | 723,000 | 738,000 | 738,000 |
| Securities available for sale | 31,382,000 | 30,910,000 | 31,250,000 | 31,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,953,000 | 56,181,000 | 55,159,000 | 60,405,000 |
| Interest-bearing deposits | 49,368,000 | 49,903,000 | 49,682,000 | 51,871,000 |
| Noninterest-bearing deposits | 6,585,000 | 6,278,000 | 5,477,000 | 8,534,000 |
| Equity capital | 13,993,000 | 14,047,000 | 14,809,000 | 14,604,000 |
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 | 1,017,000 | 2,069,000 | 3,149,000 | 4,277,000 |
| Interest expense | 336,000 | 702,000 | 1,104,000 | 1,530,000 |
| Net interest income | 681,000 | 1,367,000 | 2,045,000 | 2,747,000 |
| Noninterest income | 82,000 | 181,000 | 269,000 | 340,000 |
| Noninterest expense | 401,000 | 785,000 | 1,174,000 | 1,640,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 350,000 | 741,000 | 1,118,000 | 1,424,000 |
| Income tax | 18,000 | 37,000 | 56,000 | 73,000 |
| Net income | 332,000 | 704,000 | 1,062,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,813,000 | 12,638,000 | 14,446,000 | 14,252,000 |
| Total capital | 13,338,000 | 13,183,000 | 15,000,000 | 14,796,000 |
| Risk-weighted assets | 41,796,000 | 43,456,000 | 44,132,000 | 43,337,000 |