Call reports 2006
CITIZENS TRI-COUNTY BANK — 2006
What CITIZENS TRI-COUNTY 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 | 366,179,000 | 381,079,000 | 435,567,000 | 432,706,000 |
| Total loans | 245,737,000 | 252,477,000 | 280,863,000 | 286,479,000 |
| Allowance for loan losses | 2,628,000 | 2,843,000 | 3,234,000 | 3,105,000 |
| Securities available for sale | 71,797,000 | 78,421,000 | 105,028,000 | 99,385,000 |
| Securities held to maturity | 742,000 | 741,000 | 738,000 | 737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,079,000 | 346,404,000 | 379,360,000 | 379,579,000 |
| Interest-bearing deposits | 283,869,000 | 296,243,000 | 316,893,000 | 318,689,000 |
| Noninterest-bearing deposits | 48,210,000 | 50,161,000 | 62,467,000 | 60,890,000 |
| Equity capital | 30,367,000 | 30,580,000 | 38,778,000 | 40,011,000 |
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 | 6,184,000 | 12,754,000 | 19,845,000 | 27,700,000 |
| Interest expense | 2,017,000 | 4,351,000 | 6,927,000 | 9,973,000 |
| Net interest income | 4,167,000 | 8,403,000 | 12,918,000 | 17,727,000 |
| Noninterest income | 1,299,000 | 2,959,000 | 4,600,000 | 6,164,000 |
| Noninterest expense | 2,946,000 | 6,156,000 | 9,804,000 | 13,592,000 |
| Provision for loan losses | 363,000 | 693,000 | 881,000 | 1,089,000 |
| Pretax income | 2,157,000 | 4,513,000 | 6,833,000 | 9,210,000 |
| Income tax | 153,000 | 315,000 | 520,000 | 693,000 |
| Net income | 2,004,000 | 4,198,000 | 6,313,000 | 8,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,325,000 | 28,435,000 | 31,325,000 | 33,268,000 |
| Total capital | 29,953,000 | 31,278,000 | 34,559,000 | 35,689,000 |
| Risk-weighted assets | 250,347,000 | 261,694,000 | 295,023,000 | 302,413,000 |