Call reports 2006
CITIZENS STATE BANK OF POMONA, THE — 2006
What CITIZENS STATE BANK OF POMONA, 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 | 21,426,000 | 21,982,000 | 22,185,000 | 21,822,000 |
| Total loans | 15,495,000 | 16,630,000 | 17,557,000 | 17,536,000 |
| Allowance for loan losses | 149,000 | 176,000 | 172,000 | 164,000 |
| Securities available for sale | 3,641,000 | 3,942,000 | 3,197,000 | 2,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,431,000 | 19,470,000 | 19,024,000 | 19,647,000 |
| Interest-bearing deposits | 17,204,000 | 17,186,000 | 17,193,000 | 17,836,000 |
| Noninterest-bearing deposits | 2,227,000 | 2,283,000 | 1,831,000 | 1,811,000 |
| Equity capital | 1,845,000 | 1,872,000 | 1,944,000 | 1,953,000 |
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 | 329,000 | 720,000 | 1,143,000 | 1,558,000 |
| Interest expense | 126,000 | 275,000 | 423,000 | 590,000 |
| Net interest income | 203,000 | 445,000 | 720,000 | 968,000 |
| Noninterest income | 54,000 | 125,000 | 188,000 | 265,000 |
| Noninterest expense | 192,000 | 408,000 | 632,000 | 895,000 |
| Provision for loan losses | 16,000 | 82,000 | 105,000 | 173,000 |
| Pretax income | 49,000 | 80,000 | 173,000 | 167,000 |
| Income tax | 16,000 | 21,000 | 58,000 | 51,000 |
| Net income | 33,000 | 59,000 | 115,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,860,000 | 1,887,000 | 1,951,000 | 1,956,000 |
| Total capital | 2,009,000 | 2,063,000 | 2,123,000 | 2,120,000 |
| Risk-weighted assets | 14,817,000 | 15,330,000 | 16,418,000 | 16,362,000 |