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 | 16,887,000 | 16,253,000 | 17,831,000 | 18,635,000 |
| Total loans | 16,133,000 | 15,170,000 | 16,666,000 | 17,617,000 |
| Allowance for loan losses | 256,000 | 256,000 | 265,000 | 250,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,699,000 | 13,158,000 | 12,443,000 | 13,903,000 |
| Interest-bearing deposits | 9,606,000 | 9,448,000 | 9,283,000 | 9,935,000 |
| Noninterest-bearing deposits | 4,093,000 | 3,710,000 | 3,160,000 | 3,968,000 |
| Equity capital | 1,486,000 | 1,531,000 | 1,590,000 | 1,531,000 |
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 | 283,000 | 540,000 | 835,000 | 1,167,000 |
| Interest expense | 99,000 | 190,000 | 302,000 | 445,000 |
| Net interest income | 184,000 | 350,000 | 533,000 | 722,000 |
| Noninterest income | 27,000 | 69,000 | 104,000 | 135,000 |
| Noninterest expense | 115,000 | 219,000 | 339,000 | 484,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 61,000 |
| Pretax income | 87,000 | 182,000 | 271,000 | 312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | 182,000 | 271,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,486,000 | 1,531,000 | 1,590,000 | 1,531,000 |
| Total capital | 1,681,000 | 1,719,000 | 1,796,000 | 1,750,000 |
| Risk-weighted assets | 15,544,000 | 14,980,000 | 16,466,000 | 17,492,000 |