Call reports 2006
CITIZENS BANK OF SPENCER — 2006
What CITIZENS BANK OF SPENCER 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 | 33,562,000 | 32,865,000 | 33,416,000 | 34,015,000 |
| Total loans | 17,296,000 | 18,222,000 | 19,137,000 | 20,542,000 |
| Allowance for loan losses | 473,000 | 502,000 | 576,000 | 567,000 |
| Securities available for sale | 13,138,000 | 11,768,000 | 11,581,000 | 10,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,480,000 | 27,446,000 | 27,711,000 | 28,280,000 |
| Interest-bearing deposits | 25,019,000 | 23,828,000 | 24,325,000 | 24,565,000 |
| Noninterest-bearing deposits | 3,461,000 | 3,618,000 | 3,386,000 | 3,715,000 |
| Equity capital | 4,762,000 | 4,868,000 | 4,973,000 | 5,089,000 |
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 | 532,000 | 1,040,000 | 1,543,000 | 2,087,000 |
| Interest expense | 123,000 | 252,000 | 390,000 | 545,000 |
| Net interest income | 409,000 | 788,000 | 1,153,000 | 1,542,000 |
| Noninterest income | 58,000 | 211,000 | 313,000 | 374,000 |
| Noninterest expense | 325,000 | 604,000 | 916,000 | 1,289,000 |
| Provision for loan losses | 0 | 35,000 | 120,000 | 120,000 |
| Pretax income | 142,000 | 327,000 | 397,000 | 478,000 |
| Income tax | 56,000 | 102,000 | 142,000 | 141,000 |
| Net income | 86,000 | 225,000 | 255,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,884,000 | 5,022,000 | 5,053,000 | 5,135,000 |
| Total capital | 5,129,000 | 5,236,000 | 5,302,000 | 5,389,000 |
| Risk-weighted assets | 19,344,000 | 16,848,000 | 19,580,000 | 19,987,000 |