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 | 9,121,000 | 8,308,000 | 8,794,000 | 8,482,000 |
| Total loans | 5,933,000 | 6,113,000 | 6,509,000 | 6,372,000 |
| Allowance for loan losses | 91,000 | 91,000 | 91,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 279,000 | 378,000 | 375,000 | 373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,155,000 | 7,325,000 | 7,854,000 | 7,567,000 |
| Interest-bearing deposits | 6,828,000 | 5,875,000 | 6,583,000 | 5,774,000 |
| Noninterest-bearing deposits | 1,327,000 | 1,450,000 | 1,271,000 | 1,793,000 |
| Equity capital | 934,000 | 947,000 | 901,000 | 871,000 |
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 | 149,000 | 313,000 | 490,000 | 672,000 |
| Interest expense | 37,000 | 80,000 | 126,000 | 174,000 |
| Net interest income | 112,000 | 233,000 | 364,000 | 498,000 |
| Noninterest income | 10,000 | 15,000 | 20,000 | 35,000 |
| Noninterest expense | 70,000 | 135,000 | 202,000 | 278,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 113,000 | 182,000 | 255,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 11,000 |
| Net income | 50,000 | 108,000 | 174,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 934,000 | 947,000 | 901,000 | 871,000 |
| Total capital | 991,000 | 1,005,000 | 966,000 | 935,000 |
| Risk-weighted assets | 4,940,000 | 4,870,000 | 5,191,000 | 5,167,000 |