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 | 61,718,000 | 61,658,000 | 58,865,000 | 59,742,000 |
| Total loans | 47,209,000 | 46,404,000 | 44,685,000 | 41,984,000 |
| Allowance for loan losses | 830,000 | 671,000 | 610,000 | 643,000 |
| Securities available for sale | 9,859,000 | 9,103,000 | 9,257,000 | 9,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,209,000 | 52,950,000 | 49,985,000 | 51,679,000 |
| Interest-bearing deposits | 41,425,000 | 41,373,000 | 40,300,000 | 41,836,000 |
| Noninterest-bearing deposits | 10,784,000 | 11,577,000 | 9,685,000 | 9,843,000 |
| Equity capital | 4,989,000 | 4,779,000 | 5,146,000 | 4,827,000 |
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 | 1,076,000 | 2,177,000 | 3,279,000 | 4,356,000 |
| Interest expense | 443,000 | 932,000 | 1,444,000 | 1,974,000 |
| Net interest income | 633,000 | 1,245,000 | 1,835,000 | 2,382,000 |
| Noninterest income | 161,000 | 251,000 | 376,000 | 487,000 |
| Noninterest expense | 600,000 | 1,158,000 | 1,738,000 | 2,362,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 180,000 |
| Pretax income | 164,000 | 304,000 | 439,000 | 323,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 164,000 | 304,000 | 439,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,389,000 | 5,324,000 | 5,424,000 | 5,086,000 |
| Total capital | 5,982,000 | 5,907,000 | 5,991,000 | 5,617,000 |
| Risk-weighted assets | 46,587,000 | 46,144,000 | 44,534,000 | 42,360,000 |