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 | 187,338,000 | 192,494,000 | 191,049,000 | 196,297,000 |
| Total loans | 168,386,000 | 173,760,000 | 171,550,000 | 171,821,000 |
| Allowance for loan losses | 2,144,000 | 2,218,000 | 2,310,000 | 3,222,000 |
| Securities available for sale | 8,868,000 | 9,863,000 | 11,450,000 | 13,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,738,000 | 159,372,000 | 165,377,000 | 168,770,000 |
| Interest-bearing deposits | 124,897,000 | 135,368,000 | 138,771,000 | 143,647,000 |
| Noninterest-bearing deposits | 25,841,000 | 24,004,000 | 26,606,000 | 25,123,000 |
| Equity capital | 19,238,000 | 19,039,000 | 19,515,000 | 18,839,000 |
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 | 3,116,000 | 6,578,000 | 10,279,000 | 13,912,000 |
| Interest expense | 1,101,000 | 2,466,000 | 4,035,000 | 5,650,000 |
| Net interest income | 2,015,000 | 4,112,000 | 6,244,000 | 8,262,000 |
| Noninterest income | 380,000 | 921,000 | 1,454,000 | 2,101,000 |
| Noninterest expense | 1,597,000 | 3,214,000 | 4,857,000 | 6,554,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 1,235,000 |
| Pretax income | 708,000 | 1,639,000 | 2,571,000 | 2,574,000 |
| Income tax | 1,000 | 3,000 | 0 | 6,000 |
| Net income | 707,000 | 1,636,000 | 2,571,000 | 2,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,764,000 | 18,652,000 | 18,937,000 | 18,296,000 |
| Total capital | 20,570,000 | 20,522,000 | 20,834,000 | 20,257,000 |
| Risk-weighted assets | 144,167,000 | 149,260,000 | 151,336,000 | 155,632,000 |