Call reports 2006
CITIZENS CITY AND COUNTY BANK — 2006
What CITIZENS CITY AND COUNTY 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 | 28,010,000 | 28,274,000 | 29,878,000 | 30,466,000 |
| Total loans | 18,659,000 | 19,737,000 | 20,896,000 | 17,337,000 |
| Allowance for loan losses | 264,000 | 289,000 | 283,000 | 272,000 |
| Securities available for sale | 3,076,000 | 3,038,000 | 3,043,000 | 3,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,617,000 | 24,879,000 | 25,215,000 | 25,583,000 |
| Interest-bearing deposits | 22,693,000 | 23,031,000 | 23,277,000 | 23,318,000 |
| Noninterest-bearing deposits | 1,924,000 | 1,848,000 | 1,938,000 | 2,265,000 |
| Equity capital | 2,712,000 | 2,779,000 | 4,052,000 | 4,294,000 |
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 | 458,000 | 946,000 | 1,464,000 | 1,973,000 |
| Interest expense | 164,000 | 339,000 | 539,000 | 754,000 |
| Net interest income | 294,000 | 607,000 | 925,000 | 1,219,000 |
| Noninterest income | 70,000 | 152,000 | 225,000 | 301,000 |
| Noninterest expense | 268,000 | 565,000 | 845,000 | 1,143,000 |
| Provision for loan losses | 40,000 | 60,000 | 70,000 | 100,000 |
| Pretax income | 54,000 | 132,000 | 233,000 | 275,000 |
| Income tax | 0 | 0 | 0 | -185,000 |
| Net income | 54,000 | 132,000 | 233,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,808,000 | 2,886,000 | 3,270,000 | 3,524,000 |
| Total capital | 3,050,000 | 3,137,000 | 3,534,000 | 3,768,000 |
| Risk-weighted assets | 19,290,000 | 20,048,000 | 21,077,000 | 19,480,000 |