Call reports 2006
CITIZENS STATE BANK OF ROSEAU — 2006
What CITIZENS STATE BANK OF ROSEAU 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 | 144,193,000 | 142,410,000 | 146,000,000 | 145,097,000 |
| Total loans | 63,664,000 | 66,782,000 | 69,389,000 | 67,210,000 |
| Allowance for loan losses | 770,000 | 685,000 | 723,000 | 725,000 |
| Securities available for sale | 66,416,000 | 67,723,000 | 68,619,000 | 65,773,000 |
| Securities held to maturity | 1,552,000 | 953,000 | 949,000 | 949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,456,000 | 115,761,000 | 115,853,000 | 117,485,000 |
| Interest-bearing deposits | 99,602,000 | 99,285,000 | 99,864,000 | 101,005,000 |
| Noninterest-bearing deposits | 16,854,000 | 16,476,000 | 15,989,000 | 16,480,000 |
| Equity capital | 18,506,000 | 18,388,000 | 19,363,000 | 19,732,000 |
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 | 1,856,000 | 3,855,000 | 5,926,000 | 8,014,000 |
| Interest expense | 732,000 | 1,556,000 | 2,445,000 | 3,415,000 |
| Net interest income | 1,124,000 | 2,299,000 | 3,481,000 | 4,599,000 |
| Noninterest income | 196,000 | 394,000 | 605,000 | 805,000 |
| Noninterest expense | 830,000 | 1,607,000 | 2,461,000 | 3,256,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 20,000 |
| Pretax income | 486,000 | 1,077,000 | 1,611,000 | 2,128,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 485,000 | 1,076,000 | 1,609,000 | 2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,505,000 | 19,696,000 | 20,004,000 | 20,296,000 |
| Total capital | 20,275,000 | 20,381,000 | 20,727,000 | 21,021,000 |
| Risk-weighted assets | 85,817,000 | 87,391,000 | 89,837,000 | 87,738,000 |