Call reports 2006
CITIZENS STATE BANK OF CORTEZ, THE — 2006
What CITIZENS STATE BANK OF CORTEZ, 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 | 79,356,000 | 80,298,000 | 79,261,000 | 78,280,000 |
| Total loans | 46,148,000 | 47,030,000 | 43,831,000 | 42,738,000 |
| Allowance for loan losses | 705,000 | 605,000 | 581,000 | 536,000 |
| Securities available for sale | 24,379,000 | 24,096,000 | 24,680,000 | 20,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,143,000 | 65,077,000 | 65,799,000 | 65,011,000 |
| Interest-bearing deposits | 37,322,000 | 39,714,000 | 40,602,000 | 40,294,000 |
| Noninterest-bearing deposits | 24,821,000 | 25,363,000 | 25,197,000 | 24,717,000 |
| Equity capital | 5,626,000 | 5,497,000 | 6,171,000 | 6,553,000 |
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 | 1,141,000 | 2,338,000 | 3,541,000 | 4,709,000 |
| Interest expense | 309,000 | 644,000 | 968,000 | 1,269,000 |
| Net interest income | 832,000 | 1,694,000 | 2,573,000 | 3,440,000 |
| Noninterest income | 313,000 | 658,000 | 1,029,000 | 1,413,000 |
| Noninterest expense | 819,000 | 1,647,000 | 2,434,000 | 3,172,000 |
| Provision for loan losses | 117,000 | 49,000 | 71,000 | 52,000 |
| Pretax income | 209,000 | 656,000 | 1,097,000 | 1,632,000 |
| Income tax | 64,000 | 217,000 | 367,000 | 553,000 |
| Net income | 145,000 | 439,000 | 730,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,166,000 | 6,225,000 | 6,516,000 | 6,866,000 |
| Total capital | 6,805,000 | 6,830,000 | 7,097,000 | 7,402,000 |
| Risk-weighted assets | 55,858,000 | 57,035,000 | 54,586,000 | 53,422,000 |
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