Call reports 2006
CITIZENS EXCHANGE BANK, THE — 2006
What CITIZENS EXCHANGE 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 | 49,780,000 | 47,953,000 | 50,032,000 | 52,403,000 |
| Total loans | 26,940,000 | 26,637,000 | 26,656,000 | 27,165,000 |
| Allowance for loan losses | 664,000 | 695,000 | 693,000 | 670,000 |
| Securities available for sale | 12,267,000 | 11,685,000 | 12,215,000 | 12,220,000 |
| Securities held to maturity | 3,117,000 | 3,202,000 | 3,138,000 | 3,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,152,000 | 41,295,000 | 43,143,000 | 45,703,000 |
| Interest-bearing deposits | 35,676,000 | 34,626,000 | 36,291,000 | 37,953,000 |
| Noninterest-bearing deposits | 7,476,000 | 6,669,000 | 6,852,000 | 7,750,000 |
| Equity capital | 6,322,000 | 6,266,000 | 6,414,000 | 6,440,000 |
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 | 686,000 | 1,421,000 | 2,148,000 | 2,908,000 |
| Interest expense | 234,000 | 481,000 | 750,000 | 1,049,000 |
| Net interest income | 452,000 | 940,000 | 1,398,000 | 1,859,000 |
| Noninterest income | 54,000 | 110,000 | 171,000 | 227,000 |
| Noninterest expense | 394,000 | 813,000 | 1,259,000 | 1,737,000 |
| Provision for loan losses | 0 | 31,000 | 31,000 | 31,000 |
| Pretax income | 94,000 | 188,000 | 261,000 | 300,000 |
| Income tax | 27,000 | 53,000 | 81,000 | 94,000 |
| Net income | 67,000 | 135,000 | 180,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,454,000 | 6,436,000 | 6,483,000 | 6,508,000 |
| Total capital | 6,798,000 | 6,772,000 | 6,821,000 | 6,856,000 |
| Risk-weighted assets | 27,186,000 | 26,548,000 | 26,658,000 | 27,554,000 |