Call reports 2006
CITIZENS STATE BANK OF WATERVILLE — 2006
What CITIZENS STATE BANK OF WATERVILLE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 22,101,000 | 22,415,000 |
| Total loans | 12,990,000 | 12,543,000 |
| Allowance for loan losses | 140,000 | 142,000 |
| Securities available for sale | 5,573,000 | 5,403,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 19,945,000 | 20,200,000 |
| Interest-bearing deposits | 15,403,000 | 15,965,000 |
| Noninterest-bearing deposits | 4,542,000 | 4,235,000 |
| Equity capital | 2,057,000 | 2,094,000 |
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 |
|---|---|---|
| Interest income | 310,000 | 646,000 |
| Interest expense | 71,000 | 149,000 |
| Net interest income | 239,000 | 497,000 |
| Noninterest income | 55,000 | 104,000 |
| Noninterest expense | 180,000 | 346,000 |
| Provision for loan losses | 0 | 2,000 |
| Pretax income | 114,000 | 253,000 |
| Income tax | 0 | 0 |
| Net income | 114,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 1,765,000 | 1,827,000 |
| Total capital | 1,905,000 | 1,969,000 |
| Risk-weighted assets | 14,450,000 | 13,925,000 |