Call reports 2006
CITIZENS 1ST BANK — 2006
What CITIZENS 1ST 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 | 599,792,000 | 601,370,000 | 606,468,000 | 604,291,000 |
| Total loans | 237,234,000 | 242,220,000 | 244,714,000 | 247,926,000 |
| Allowance for loan losses | 538,000 | 491,000 | 490,000 | 489,000 |
| Securities available for sale | 337,325,000 | 327,273,000 | 319,212,000 | 315,097,000 |
| Securities held to maturity | 469,000 | 469,000 | 469,000 | 469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,670,000 | 290,278,000 | 294,995,000 | 297,196,000 |
| Interest-bearing deposits | 265,709,000 | 264,272,000 | 267,671,000 | 274,300,000 |
| Noninterest-bearing deposits | 24,961,000 | 26,006,000 | 27,324,000 | 22,896,000 |
| Equity capital | 87,228,000 | 83,710,000 | 89,393,000 | 92,704,000 |
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 | 8,675,000 | 17,398,000 | 26,144,000 | 35,025,000 |
| Interest expense | 4,859,000 | 9,897,000 | 15,190,000 | 20,599,000 |
| Net interest income | 3,816,000 | 7,501,000 | 10,954,000 | 14,426,000 |
| Noninterest income | 200,000 | 350,000 | 502,000 | 711,000 |
| Noninterest expense | 1,400,000 | 2,816,000 | 4,162,000 | 5,817,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,616,000 | 5,035,000 | 7,305,000 | 9,331,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,616,000 | 5,035,000 | 7,305,000 | 9,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,643,000 | 93,063,000 | 94,416,000 | 95,743,000 |
| Total capital | 92,181,000 | 93,554,000 | 94,906,000 | 96,232,000 |
| Risk-weighted assets | 258,437,000 | 263,425,000 | 263,441,000 | 264,178,000 |