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 | 130,506,000 | 125,285,000 | 118,632,000 | 119,392,000 |
| Total loans | 57,027,000 | 56,685,000 | 53,852,000 | 55,882,000 |
| Allowance for loan losses | 830,000 | 838,000 | 777,000 | 791,000 |
| Securities available for sale | 51,373,000 | 52,602,000 | 51,582,000 | 50,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,674,000 | 109,266,000 | 102,222,000 | 103,711,000 |
| Interest-bearing deposits | 87,752,000 | 87,963,000 | 81,894,000 | 83,080,000 |
| Noninterest-bearing deposits | 25,922,000 | 21,303,000 | 20,328,000 | 20,631,000 |
| Equity capital | 10,472,000 | 10,001,000 | 10,323,000 | 10,346,000 |
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 | 1,763,000 | 3,622,000 | 5,358,000 | 7,019,000 |
| Interest expense | 615,000 | 1,268,000 | 1,921,000 | 2,602,000 |
| Net interest income | 1,148,000 | 2,354,000 | 3,437,000 | 4,417,000 |
| Noninterest income | 552,000 | 1,588,000 | 3,458,000 | 5,767,000 |
| Noninterest expense | 1,455,000 | 3,529,000 | 6,609,000 | 9,970,000 |
| Provision for loan losses | 75,000 | 150,000 | 514,000 | 647,000 |
| Pretax income | 163,000 | 235,000 | -256,000 | -461,000 |
| Income tax | 32,000 | 45,000 | -185,000 | -239,000 |
| Net income | 131,000 | 190,000 | -71,000 | -222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,100,000 | 10,002,000 | 9,748,000 | 9,344,000 |
| Total capital | 10,930,000 | 10,840,000 | 10,525,000 | 10,135,000 |
| Risk-weighted assets | 81,006,000 | 74,161,000 | 67,150,000 | 64,745,000 |