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 | 144,145,000 | 146,806,000 | 151,345,000 | 158,955,000 |
| Total loans | 99,899,000 | 102,264,000 | 103,393,000 | 103,611,000 |
| Allowance for loan losses | 1,157,000 | 1,123,000 | 1,175,000 | 1,231,000 |
| Securities available for sale | 33,574,000 | 33,098,000 | 34,509,000 | 36,780,000 |
| Securities held to maturity | 468,000 | 468,000 | 395,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,350,000 | 124,525,000 | 126,909,000 | 133,805,000 |
| Interest-bearing deposits | 109,922,000 | 113,008,000 | 116,541,000 | 118,752,000 |
| Noninterest-bearing deposits | 11,428,000 | 11,518,000 | 10,368,000 | 15,052,000 |
| Equity capital | 14,211,000 | 13,888,000 | 14,667,000 | 15,406,000 |
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 | 2,100,000 | 4,359,000 | 6,751,000 | 9,191,000 |
| Interest expense | 871,000 | 1,887,000 | 3,050,000 | 4,266,000 |
| Net interest income | 1,229,000 | 2,472,000 | 3,701,000 | 4,925,000 |
| Noninterest income | 99,000 | 257,000 | 425,000 | 574,000 |
| Noninterest expense | 794,000 | 1,584,000 | 2,380,000 | 3,212,000 |
| Provision for loan losses | 90,000 | 270,000 | 330,000 | 390,000 |
| Pretax income | 368,000 | 799,000 | 1,340,000 | 1,821,000 |
| Income tax | 60,000 | 64,000 | 69,000 | 6,000 |
| Net income | 308,000 | 735,000 | 1,271,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,399,000 | 12,729,000 | 13,135,000 | 13,679,000 |
| Total capital | 13,556,000 | 13,852,000 | 14,310,000 | 14,910,000 |
| Risk-weighted assets | 112,765,000 | 115,767,000 | 118,418,000 | 120,325,000 |