Call reports 2006
CITIZENS STATE BANK — 2006
What CITIZENS STATE 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 | 39,476,000 | 38,171,000 | 39,391,000 | 39,405,000 |
| Total loans | 19,414,000 | 19,913,000 | 22,316,000 | 24,891,000 |
| Allowance for loan losses | 374,000 | 375,000 | 315,000 | 240,000 |
| Securities available for sale | 4,181,000 | 6,508,000 | 6,533,000 | 6,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,420,000 | 34,038,000 | 35,291,000 | 35,225,000 |
| Interest-bearing deposits | 27,567,000 | 26,282,000 | 26,879,000 | 28,585,000 |
| Noninterest-bearing deposits | 7,853,000 | 7,756,000 | 8,412,000 | 6,640,000 |
| Equity capital | 3,397,000 | 3,466,000 | 3,825,000 | 3,765,000 |
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 | 548,000 | 1,120,000 | 1,861,000 | 2,442,000 |
| Interest expense | 188,000 | 420,000 | 659,000 | 910,000 |
| Net interest income | 360,000 | 700,000 | 1,202,000 | 1,532,000 |
| Noninterest income | 138,000 | 316,000 | 470,000 | 681,000 |
| Noninterest expense | 378,000 | 769,000 | 1,062,000 | 1,550,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 247,000 | 610,000 | 663,000 |
| Income tax | 41,000 | 52,000 | 116,000 | 220,000 |
| Net income | 79,000 | 195,000 | 494,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,439,000 | 3,556,000 | 3,854,000 | 3,785,000 |
| Total capital | 3,716,000 | 3,833,000 | 4,146,000 | 4,025,000 |
| Risk-weighted assets | 21,267,000 | 21,902,000 | 23,890,000 | 25,360,000 |