Call reports 2006
CITIZENS STATE BANK, THE — 2006
What CITIZENS STATE BANK, THE 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 | 11,370,000 | 10,749,000 | 10,456,000 | 9,978,000 |
| Total loans | 6,866,000 | 6,570,000 | 5,538,000 | 5,548,000 |
| Allowance for loan losses | 290,000 | 293,000 | 301,000 | 305,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,612,000 | 2,616,000 | 2,911,000 | 2,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,243,000 | 9,620,000 | 9,341,000 | 8,873,000 |
| Interest-bearing deposits | 7,703,000 | 7,867,000 | 7,644,000 | 7,299,000 |
| Noninterest-bearing deposits | 2,540,000 | 1,753,000 | 1,697,000 | 1,574,000 |
| Equity capital | 1,104,000 | 1,095,000 | 1,080,000 | 1,081,000 |
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 | 172,000 | 341,000 | 508,000 | 686,000 |
| Interest expense | 44,000 | 89,000 | 140,000 | 197,000 |
| Net interest income | 128,000 | 252,000 | 368,000 | 489,000 |
| Noninterest income | 7,000 | 15,000 | 21,000 | 31,000 |
| Noninterest expense | 138,000 | 279,000 | 416,000 | 548,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -3,000 | -12,000 | -27,000 | -26,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -3,000 | -12,000 | -27,000 | -26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,071,000 | 1,062,000 | 1,047,000 | 1,048,000 |
| Total capital | 1,150,000 | 1,141,000 | 1,122,000 | 1,120,000 |
| Risk-weighted assets | 6,641,000 | 6,323,000 | 5,776,000 | 5,732,000 |