Call reports 2006
CITIZENS STATE BANK OF NEW CASTLE — 2006
What CITIZENS STATE BANK OF NEW CASTLE 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 | 221,028,000 | 221,259,000 | 222,166,000 | 221,580,000 |
| Total loans | 100,445,000 | 103,670,000 | 107,220,000 | 105,994,000 |
| Allowance for loan losses | 1,196,000 | 1,132,000 | 1,139,000 | 1,164,000 |
| Securities available for sale | 57,874,000 | 55,952,000 | 53,282,000 | 51,995,000 |
| Securities held to maturity | 30,061,000 | 30,739,000 | 29,557,000 | 30,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,716,000 | 196,194,000 | 196,589,000 | 195,638,000 |
| Interest-bearing deposits | 166,358,000 | 165,937,000 | 171,551,000 | 170,404,000 |
| Noninterest-bearing deposits | 29,358,000 | 30,257,000 | 25,038,000 | 25,234,000 |
| Equity capital | 22,905,000 | 22,771,000 | 23,298,000 | 23,675,000 |
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 | 2,618,000 | 5,319,000 | 8,130,000 | 11,009,000 |
| Interest expense | 785,000 | 1,668,000 | 2,691,000 | 3,785,000 |
| Net interest income | 1,833,000 | 3,651,000 | 5,439,000 | 7,224,000 |
| Noninterest income | 612,000 | 1,249,000 | 1,918,000 | 2,596,000 |
| Noninterest expense | 1,687,000 | 3,415,000 | 5,090,000 | 6,727,000 |
| Provision for loan losses | 8,000 | 90,000 | 151,000 | 224,000 |
| Pretax income | 750,000 | 1,393,000 | 2,108,000 | 2,861,000 |
| Income tax | 206,000 | 348,000 | 536,000 | 743,000 |
| Net income | 544,000 | 1,045,000 | 1,572,000 | 2,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,717,000 | 23,885,000 | 24,052,000 | 24,238,000 |
| Total capital | 24,913,000 | 25,017,000 | 25,191,000 | 25,402,000 |
| Risk-weighted assets | 121,294,000 | 123,561,000 | 125,546,000 | 124,186,000 |