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 | 136,032,000 | 133,081,000 | 138,246,000 | 139,705,000 |
| Total loans | 74,394,000 | 72,171,000 | 74,059,000 | 57,097,000 |
| Allowance for loan losses | 543,000 | 558,000 | 549,000 | 403,000 |
| Securities available for sale | 49,181,000 | 51,655,000 | 51,292,000 | 62,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,160,000 | 114,651,000 | 119,060,000 | 120,049,000 |
| Interest-bearing deposits | 85,137,000 | 85,055,000 | 88,417,000 | 89,320,000 |
| Noninterest-bearing deposits | 32,023,000 | 29,596,000 | 30,643,000 | 30,729,000 |
| Equity capital | 13,006,000 | 12,672,000 | 13,502,000 | 13,540,000 |
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 | 1,846,000 | 3,773,000 | 5,755,000 | 7,809,000 |
| Interest expense | 560,000 | 1,157,000 | 1,841,000 | 2,599,000 |
| Net interest income | 1,286,000 | 2,616,000 | 3,914,000 | 5,210,000 |
| Noninterest income | 299,000 | 586,000 | 900,000 | 1,383,000 |
| Noninterest expense | 889,000 | 1,752,000 | 2,647,000 | 3,644,000 |
| Provision for loan losses | 0 | 24,000 | 30,000 | -103,000 |
| Pretax income | 679,000 | 1,404,000 | 2,121,000 | 3,036,000 |
| Income tax | 197,000 | 408,000 | 602,000 | 872,000 |
| Net income | 482,000 | 996,000 | 1,519,000 | 2,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,503,000 | 13,633,000 | 14,156,000 | 13,999,000 |
| Total capital | 14,046,000 | 14,191,000 | 14,705,000 | 14,402,000 |
| Risk-weighted assets | 68,728,000 | 68,994,000 | 70,310,000 | 69,229,000 |