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 | 9,595,000 | 10,425,000 | 10,863,000 | 10,230,000 |
| Total loans | 7,457,000 | 8,149,000 | 8,498,000 | 7,686,000 |
| Allowance for loan losses | 76,000 | 78,000 | 79,000 | 80,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,600,000 | 1,600,000 | 1,600,000 | 1,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,050,000 | 7,386,000 | 7,709,000 | 8,116,000 |
| Interest-bearing deposits | 6,437,000 | 6,911,000 | 7,058,000 | 7,467,000 |
| Noninterest-bearing deposits | 613,000 | 475,000 | 651,000 | 649,000 |
| Equity capital | 686,000 | 706,000 | 720,000 | 741,000 |
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 | 167,000 | 356,000 | 577,000 | 786,000 |
| Interest expense | 64,000 | 151,000 | 253,000 | 355,000 |
| Net interest income | 103,000 | 205,000 | 324,000 | 431,000 |
| Noninterest income | 18,000 | 40,000 | 61,000 | 89,000 |
| Noninterest expense | 99,000 | 200,000 | 316,000 | 426,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 45,000 | 69,000 | 94,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 17,000 |
| Net income | 18,000 | 37,000 | 57,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 686,000 | 706,000 | 720,000 | 741,000 |
| Total capital | 747,000 | 774,000 | 794,000 | 814,000 |
| Risk-weighted assets | 4,860,000 | 5,467,000 | 6,002,000 | 5,852,000 |