Call reports 2006
CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS — 2006
What CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS 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 | 59,096,000 | 58,571,000 | 57,150,000 | 60,992,000 |
| Total loans | 36,043,000 | 35,309,000 | 34,143,000 | 35,530,000 |
| Allowance for loan losses | 838,000 | 839,000 | 848,000 | 832,000 |
| Securities available for sale | 18,377,000 | 18,085,000 | 19,044,000 | 18,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,469,000 | 49,050,000 | 45,607,000 | 50,585,000 |
| Interest-bearing deposits | 39,629,000 | 39,003,000 | 34,516,000 | 40,526,000 |
| Noninterest-bearing deposits | 9,840,000 | 10,047,000 | 11,091,000 | 10,059,000 |
| Equity capital | 5,199,000 | 5,026,000 | 5,342,000 | 5,334,000 |
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 | 827,000 | 1,670,000 | 2,528,000 | 3,394,000 |
| Interest expense | 231,000 | 525,000 | 837,000 | 1,200,000 |
| Net interest income | 596,000 | 1,145,000 | 1,691,000 | 2,194,000 |
| Noninterest income | 137,000 | 277,000 | 400,000 | 555,000 |
| Noninterest expense | 489,000 | 988,000 | 1,479,000 | 1,988,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 244,000 | 434,000 | 612,000 | 761,000 |
| Income tax | 6,000 | 13,000 | 21,000 | 26,000 |
| Net income | 238,000 | 421,000 | 591,000 | 735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,626,000 | 5,690,000 | 5,681,000 | 5,647,000 |
| Total capital | 6,089,000 | 6,142,000 | 6,110,000 | 6,106,000 |
| Risk-weighted assets | 37,232,000 | 35,966,000 | 34,056,000 | 36,590,000 |