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 | 22,784,000 | 22,952,000 | 23,593,000 | 22,379,000 |
| Total loans | 18,311,000 | 18,866,000 | 18,756,000 | 18,248,000 |
| Allowance for loan losses | 364,000 | 361,000 | 361,000 | 361,000 |
| Securities available for sale | 917,000 | 1,055,000 | 1,062,000 | 940,000 |
| Securities held to maturity | 384,000 | 384,000 | 319,000 | 318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,111,000 | 19,234,000 | 19,890,000 | 19,953,000 |
| Interest-bearing deposits | 16,462,000 | 15,808,000 | 16,002,000 | 16,362,000 |
| Noninterest-bearing deposits | 3,649,000 | 3,425,000 | 3,887,000 | 3,591,000 |
| Equity capital | 2,382,000 | 2,334,000 | 2,391,000 | 2,380,000 |
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 | 369,000 | 749,000 | 1,150,000 | 1,555,000 |
| Interest expense | 109,000 | 229,000 | 374,000 | 537,000 |
| Net interest income | 260,000 | 520,000 | 776,000 | 1,018,000 |
| Noninterest income | 41,000 | 80,000 | 135,000 | 182,000 |
| Noninterest expense | 219,000 | 456,000 | 708,000 | 1,011,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 144,000 | 203,000 | 189,000 |
| Income tax | 0 | 7,000 | 12,000 | 7,000 |
| Net income | 82,000 | 137,000 | 191,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,382,000 | 2,337,000 | 2,391,000 | 2,379,000 |
| Total capital | 2,578,000 | 2,544,000 | 2,595,000 | 2,578,000 |
| Risk-weighted assets | 15,509,000 | 16,375,000 | 16,351,000 | 15,725,000 |