Call reports 2006
CITIZENS STATE BANK AT MOHALL, THE — 2006
What CITIZENS STATE BANK AT MOHALL, THE 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 | 32,485,000 | 34,687,000 | 33,442,000 | 33,950,000 |
| Total loans | 23,691,000 | 26,507,000 | 26,171,000 | 25,896,000 |
| Allowance for loan losses | 377,000 | 575,000 | 570,000 | 412,000 |
| Securities available for sale | 5,841,000 | 5,553,000 | 5,569,000 | 5,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,954,000 | 29,551,000 | 29,301,000 | 30,344,000 |
| Interest-bearing deposits | 24,732,000 | 24,935,000 | 24,800,000 | 25,136,000 |
| Noninterest-bearing deposits | 5,222,000 | 4,616,000 | 4,501,000 | 5,208,000 |
| Equity capital | 2,361,000 | 2,490,000 | 2,514,000 | 2,498,000 |
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 | 444,000 | 922,000 | 1,454,000 | 1,981,000 |
| Interest expense | 176,000 | 391,000 | 647,000 | 889,000 |
| Net interest income | 268,000 | 531,000 | 807,000 | 1,092,000 |
| Noninterest income | 17,000 | 42,000 | 57,000 | 78,000 |
| Noninterest expense | 189,000 | 365,000 | 540,000 | 772,000 |
| Provision for loan losses | 30,000 | 245,000 | 255,000 | 300,000 |
| Pretax income | 66,000 | -37,000 | 69,000 | 98,000 |
| Income tax | 5,000 | 0 | 5,000 | 8,000 |
| Net income | 61,000 | -37,000 | 64,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,426,000 | 2,527,000 | 2,529,000 | 2,505,000 |
| Total capital | 2,740,000 | 2,873,000 | 2,870,000 | 2,845,000 |
| Risk-weighted assets | 25,029,000 | 27,413,000 | 27,075,000 | 27,098,000 |