Call reports 2006
CITIZENS SAVINGS BANK AND TRUST COMPANY — 2006
What CITIZENS SAVINGS BANK AND TRUST COMPANY 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 | 59,965,000 | 63,230,000 | 65,483,000 | 71,870,000 |
| Total loans | 46,713,000 | 48,916,000 | 51,454,000 | 51,624,000 |
| Allowance for loan losses | 694,000 | 699,000 | 686,000 | 685,000 |
| Securities available for sale | 8,603,000 | 8,749,000 | 8,858,000 | 8,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,792,000 | 53,133,000 | 55,182,000 | 61,377,000 |
| Interest-bearing deposits | 43,258,000 | 44,681,000 | 46,084,000 | 52,472,000 |
| Noninterest-bearing deposits | 8,534,000 | 8,452,000 | 9,098,000 | 8,905,000 |
| Equity capital | 6,195,000 | 6,644,000 | 6,816,000 | 6,922,000 |
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 | 930,000 | 1,928,000 | 2,985,000 | 4,098,000 |
| Interest expense | 290,000 | 641,000 | 1,056,000 | 1,536,000 |
| Net interest income | 640,000 | 1,287,000 | 1,929,000 | 2,562,000 |
| Noninterest income | 135,000 | 248,000 | 378,000 | 522,000 |
| Noninterest expense | 610,000 | 1,282,000 | 1,957,000 | 2,622,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 159,000 | 241,000 | 332,000 | 438,000 |
| Income tax | 58,000 | 89,000 | 124,000 | 183,000 |
| Net income | 101,000 | 152,000 | 208,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,430,000 | 6,408,000 | 6,936,000 | 6,983,000 |
| Total capital | 7,011,000 | 7,028,000 | 7,622,000 | 7,668,000 |
| Risk-weighted assets | 47,068,000 | 50,096,000 | 54,573,000 | 55,151,000 |