Call reports 2006
CITIZENS SAVINGS BANK — 2006
What CITIZENS SAVINGS 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 | 179,779,000 | 180,370,000 | 177,334,000 | 175,171,000 |
| Total loans | 114,265,000 | 121,042,000 | 126,705,000 | 132,758,000 |
| Allowance for loan losses | 1,530,000 | 1,533,000 | 1,525,000 | 1,525,000 |
| Securities available for sale | 26,586,000 | 25,936,000 | 25,782,000 | 22,514,000 |
| Securities held to maturity | 935,000 | 2,542,000 | 2,429,000 | 2,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,536,000 | 164,978,000 | 160,921,000 | 158,933,000 |
| Interest-bearing deposits | 140,954,000 | 140,987,000 | 136,479,000 | 137,048,000 |
| Noninterest-bearing deposits | 23,582,000 | 23,991,000 | 24,442,000 | 21,885,000 |
| Equity capital | 14,368,000 | 14,423,000 | 15,038,000 | 15,288,000 |
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 | 2,659,000 | 5,380,000 | 8,202,000 | 11,049,000 |
| Interest expense | 972,000 | 1,994,000 | 3,084,000 | 4,242,000 |
| Net interest income | 1,687,000 | 3,386,000 | 5,118,000 | 6,807,000 |
| Noninterest income | 217,000 | 477,000 | 732,000 | 971,000 |
| Noninterest expense | 1,418,000 | 2,887,000 | 4,471,000 | 6,104,000 |
| Provision for loan losses | 18,000 | 33,000 | 50,000 | 63,000 |
| Pretax income | 468,000 | 943,000 | 1,329,000 | 1,611,000 |
| Income tax | 158,000 | 321,000 | 452,000 | 513,000 |
| Net income | 310,000 | 622,000 | 877,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,640,000 | 14,910,000 | 15,212,000 | 15,401,000 |
| Total capital | 15,946,000 | 16,266,000 | 16,601,000 | 16,826,000 |
| Risk-weighted assets | 104,262,000 | 108,282,000 | 110,982,000 | 113,922,000 |