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 | 90,372,000 | 86,993,000 | 89,315,000 | 90,657,000 |
| Total loans | 48,579,000 | 48,453,000 | 50,239,000 | 47,203,000 |
| Allowance for loan losses | 665,000 | 681,000 | 696,000 | 719,000 |
| Securities available for sale | 36,264,000 | 33,296,000 | 32,817,000 | 31,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,610,000 | 76,898,000 | 76,126,000 | 81,537,000 |
| Interest-bearing deposits | 71,289,000 | 67,893,000 | 68,070,000 | 71,704,000 |
| Noninterest-bearing deposits | 10,321,000 | 9,005,000 | 8,056,000 | 9,833,000 |
| Equity capital | 6,608,000 | 6,404,000 | 6,925,000 | 7,076,000 |
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 | 1,164,000 | 2,369,000 | 3,589,000 | 4,840,000 |
| Interest expense | 419,000 | 867,000 | 1,358,000 | 1,878,000 |
| Net interest income | 745,000 | 1,502,000 | 2,231,000 | 2,962,000 |
| Noninterest income | 70,000 | 154,000 | 239,000 | 317,000 |
| Noninterest expense | 427,000 | 854,000 | 1,276,000 | 1,700,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 62,000 |
| Pretax income | 373,000 | 768,000 | 1,149,000 | 1,518,000 |
| Income tax | 19,000 | 37,000 | 56,000 | 74,000 |
| Net income | 354,000 | 731,000 | 1,093,000 | 1,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,101,000 | 7,213,000 | 7,286,000 | 7,378,000 |
| Total capital | 7,766,000 | 7,894,000 | 7,982,000 | 8,074,000 |
| Risk-weighted assets | 56,080,000 | 55,535,000 | 57,343,000 | 55,661,000 |