Call reports 2006
CITIZENS STATE BANK OF SHAKOPEE — 2006
What CITIZENS STATE BANK OF SHAKOPEE 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 | 22,550,000 | 23,197,000 | 23,001,000 | 23,111,000 |
| Total loans | 12,162,000 | 11,793,000 | 11,500,000 | 10,639,000 |
| Allowance for loan losses | 230,000 | 239,000 | 248,000 | 255,000 |
| Securities available for sale | 5,005,000 | 4,986,000 | 5,028,000 | 4,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,243,000 | 19,926,000 | 19,642,000 | 19,806,000 |
| Interest-bearing deposits | 12,725,000 | 12,978,000 | 6,046,000 | 13,409,000 |
| Noninterest-bearing deposits | 6,518,000 | 6,948,000 | 13,596,000 | 6,397,000 |
| Equity capital | 2,391,000 | 2,427,000 | 2,479,000 | 2,483,000 |
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 | 272,000 | 611,000 | 935,000 | 1,267,000 |
| Interest expense | 71,000 | 153,000 | 243,000 | 338,000 |
| Net interest income | 201,000 | 458,000 | 692,000 | 929,000 |
| Noninterest income | 29,000 | 83,000 | 124,000 | 162,000 |
| Noninterest expense | 232,000 | 468,000 | 704,000 | 966,000 |
| Provision for loan losses | 8,000 | 17,000 | 26,000 | 35,000 |
| Pretax income | -10,000 | 56,000 | 86,000 | 90,000 |
| Income tax | -8,000 | 11,000 | 15,000 | 19,000 |
| Net income | -2,000 | 45,000 | 71,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,354,000 | 2,378,000 | 2,503,000 | 2,502,000 |
| Total capital | 2,514,000 | 2,546,000 | 2,672,000 | 2,667,000 |
| Risk-weighted assets | 12,773,000 | 13,383,000 | 13,481,000 | 13,100,000 |