Call reports 2006
CITIZENS STATE BANK OF MILFORD — 2006
What CITIZENS STATE BANK OF MILFORD 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 | 37,293,000 | 37,441,000 | 36,505,000 | 42,165,000 |
| Total loans | 21,771,000 | 21,853,000 | 22,452,000 | 22,252,000 |
| Allowance for loan losses | 137,000 | 134,000 | 135,000 | 133,000 |
| Securities available for sale | 8,418,000 | 8,149,000 | 9,981,000 | 9,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,305,000 | 34,481,000 | 33,422,000 | 38,857,000 |
| Interest-bearing deposits | 29,940,000 | 29,513,000 | 29,269,000 | 30,733,000 |
| Noninterest-bearing deposits | 4,365,000 | 4,968,000 | 4,153,000 | 8,124,000 |
| Equity capital | 2,853,000 | 2,839,000 | 2,930,000 | 2,963,000 |
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 | 505,000 | 1,032,000 | 1,574,000 | 2,121,000 |
| Interest expense | 170,000 | 350,000 | 547,000 | 749,000 |
| Net interest income | 335,000 | 682,000 | 1,027,000 | 1,372,000 |
| Noninterest income | 52,000 | 101,000 | 169,000 | 249,000 |
| Noninterest expense | 342,000 | 684,000 | 1,047,000 | 1,436,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 99,000 | 149,000 | 185,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 45,000 | 99,000 | 149,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,034,000 | 3,087,000 | 3,092,000 | 3,078,000 |
| Total capital | 3,171,000 | 3,221,000 | 3,226,000 | 3,211,000 |
| Risk-weighted assets | 25,721,000 | 25,923,000 | 26,372,000 | 27,371,000 |
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