Call reports 2006
CITIZENS SAVINGS BANK — 2006
What CITIZENS SAVINGS 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 | 39,594,000 | 39,686,000 | 41,301,000 | 41,765,000 |
| Total loans | 28,347,000 | 28,039,000 | 28,908,000 | 29,474,000 |
| Allowance for loan losses | 517,000 | 519,000 | 536,000 | 539,000 |
| Securities available for sale | 8,836,000 | 9,148,000 | 9,689,000 | 9,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,731,000 | 30,755,000 | 30,395,000 | 33,425,000 |
| Interest-bearing deposits | 26,213,000 | 27,065,000 | 26,888,000 | 27,366,000 |
| Noninterest-bearing deposits | 3,518,000 | 3,690,000 | 3,507,000 | 6,059,000 |
| Equity capital | 4,095,000 | 4,112,000 | 4,347,000 | 4,372,000 |
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 | 558,000 | 1,158,000 | 1,806,000 | 2,454,000 |
| Interest expense | 213,000 | 484,000 | 783,000 | 1,090,000 |
| Net interest income | 345,000 | 674,000 | 1,023,000 | 1,364,000 |
| Noninterest income | 36,000 | 74,000 | 110,000 | 176,000 |
| Noninterest expense | 223,000 | 456,000 | 685,000 | 1,039,000 |
| Provision for loan losses | 3,000 | 4,000 | 5,000 | 6,000 |
| Pretax income | 149,000 | 276,000 | 423,000 | 470,000 |
| Income tax | 41,000 | 70,000 | 103,000 | 82,000 |
| Net income | 108,000 | 206,000 | 320,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,199,000 | 4,297,000 | 4,411,000 | 4,434,000 |
| Total capital | 4,591,000 | 4,690,000 | 4,820,000 | 4,850,000 |
| Risk-weighted assets | 31,208,000 | 31,298,000 | 32,619,000 | 33,240,000 |