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 | 69,333,000 | 69,604,000 | 70,707,000 | 65,801,000 |
| Total loans | 17,980,000 | 17,889,000 | 17,437,000 | 17,765,000 |
| Allowance for loan losses | 178,000 | 220,000 | 229,000 | 289,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 43,390,000 | 43,390,000 | 43,390,000 | 38,390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,673,000 | 59,977,000 | 61,029,000 | 56,167,000 |
| Interest-bearing deposits | 51,293,000 | 52,028,000 | 52,711,000 | 47,699,000 |
| Noninterest-bearing deposits | 8,380,000 | 7,948,000 | 8,318,000 | 8,467,000 |
| Equity capital | 9,464,000 | 9,426,000 | 9,510,000 | 9,474,000 |
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 | 829,000 | 1,618,000 | 2,450,000 | 3,251,000 |
| Interest expense | 417,000 | 847,000 | 1,326,000 | 1,832,000 |
| Net interest income | 412,000 | 771,000 | 1,124,000 | 1,419,000 |
| Noninterest income | 115,000 | 200,000 | 291,000 | 377,000 |
| Noninterest expense | 302,000 | 606,000 | 889,000 | 1,181,000 |
| Provision for loan losses | 15,000 | 195,000 | 210,000 | 320,000 |
| Pretax income | 210,000 | 170,000 | 316,000 | 295,000 |
| Income tax | 23,000 | 23,000 | 84,000 | 98,000 |
| Net income | 187,000 | 148,000 | 233,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,139,000 | 5,101,000 | 5,185,000 | 5,149,000 |
| Total capital | 5,317,000 | 5,321,000 | 5,414,000 | 5,438,000 |
| Risk-weighted assets | 25,045,000 | 24,575,000 | 24,989,000 | 23,783,000 |