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 | 98,524,000 | 96,247,000 | 98,259,000 | 104,942,000 |
| Total loans | 70,289,000 | 71,066,000 | 71,602,000 | 77,103,000 |
| Allowance for loan losses | 948,000 | 973,000 | 1,003,000 | 1,033,000 |
| Securities available for sale | 19,811,000 | 19,406,000 | 20,511,000 | 21,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,902,000 | 77,829,000 | 80,028,000 | 79,895,000 |
| Interest-bearing deposits | 70,105,000 | 68,004,000 | 70,494,000 | 70,240,000 |
| Noninterest-bearing deposits | 9,797,000 | 9,825,000 | 9,534,000 | 9,655,000 |
| Equity capital | 8,776,000 | 8,776,000 | 9,201,000 | 9,382,000 |
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 | 1,424,000 | 2,916,000 | 4,461,000 | 6,091,000 |
| Interest expense | 588,000 | 1,243,000 | 1,941,000 | 2,686,000 |
| Net interest income | 836,000 | 1,673,000 | 2,520,000 | 3,405,000 |
| Noninterest income | 125,000 | 247,000 | 389,000 | 539,000 |
| Noninterest expense | 689,000 | 1,327,000 | 1,978,000 | 2,661,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 212,000 | 498,000 | 797,000 | 1,119,000 |
| Income tax | 47,000 | 131,000 | 209,000 | 293,000 |
| Net income | 165,000 | 367,000 | 588,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,978,000 | 9,130,000 | 9,301,000 | 9,490,000 |
| Total capital | 9,904,000 | 10,053,000 | 10,238,000 | 10,512,000 |
| Risk-weighted assets | 74,030,000 | 73,841,000 | 74,921,000 | 81,772,000 |