Call reports 2006
CITY STATE BANK OF PALACIOS, THE — 2006
What CITY STATE BANK OF PALACIOS, THE 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 | 43,233,000 | 43,388,000 | 43,093,000 | 43,178,000 |
| Total loans | 26,555,000 | 26,695,000 | 26,602,000 | 22,388,000 |
| Allowance for loan losses | 510,000 | 227,000 | 328,000 | 305,000 |
| Securities available for sale | 13,848,000 | 13,574,000 | 13,011,000 | 14,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,396,000 | 35,760,000 | 38,317,000 | 38,262,000 |
| Interest-bearing deposits | 27,150,000 | 27,132,000 | 27,255,000 | 27,342,000 |
| Noninterest-bearing deposits | 9,246,000 | 8,628,000 | 11,062,000 | 10,920,000 |
| Equity capital | 4,366,000 | 4,297,000 | 4,281,000 | 4,431,000 |
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 | 704,000 | 1,379,000 | 2,128,000 | 2,836,000 |
| Interest expense | 169,000 | 383,000 | 613,000 | 824,000 |
| Net interest income | 535,000 | 996,000 | 1,515,000 | 2,012,000 |
| Noninterest income | 66,000 | 139,000 | 220,000 | 293,000 |
| Noninterest expense | 414,000 | 845,000 | 1,286,000 | 1,730,000 |
| Provision for loan losses | 69,000 | 109,000 | 344,000 | 308,000 |
| Pretax income | 114,000 | 177,000 | 101,000 | 263,000 |
| Income tax | 32,000 | 46,000 | 72,000 | 59,000 |
| Net income | 82,000 | 131,000 | 29,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,534,000 | 4,566,000 | 4,463,000 | 4,560,000 |
| Total capital | 4,779,000 | 4,762,000 | 4,713,000 | 4,800,000 |
| Risk-weighted assets | 21,495,000 | 20,371,000 | 19,978,000 | 19,172,000 |