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 | 52,724,000 | 55,026,000 | 55,406,000 | 65,440,000 |
| Total loans | 38,176,000 | 40,238,000 | 39,286,000 | 38,277,000 |
| Allowance for loan losses | 563,000 | 593,000 | 597,000 | 632,000 |
| Securities available for sale | 3,679,000 | 3,642,000 | 3,636,000 | 4,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,177,000 | 50,350,000 | 50,453,000 | 60,320,000 |
| Interest-bearing deposits | 36,854,000 | 37,953,000 | 39,865,000 | 51,194,000 |
| Noninterest-bearing deposits | 11,323,000 | 12,397,000 | 10,588,000 | 9,126,000 |
| Equity capital | 4,213,000 | 4,390,000 | 4,579,000 | 4,757,000 |
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 | 959,000 | 2,019,000 | 3,150,000 | 4,263,000 |
| Interest expense | 293,000 | 642,000 | 1,070,000 | 1,534,000 |
| Net interest income | 666,000 | 1,377,000 | 2,080,000 | 2,729,000 |
| Noninterest income | 85,000 | 179,000 | 280,000 | 405,000 |
| Noninterest expense | 459,000 | 951,000 | 1,446,000 | 1,979,000 |
| Provision for loan losses | 40,000 | 70,000 | 109,000 | 148,000 |
| Pretax income | 252,000 | 535,000 | 805,000 | 1,007,000 |
| Income tax | 84,000 | 179,000 | 269,000 | 322,000 |
| Net income | 168,000 | 356,000 | 536,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,292,000 | 4,480,000 | 4,660,000 | 4,809,000 |
| Total capital | 4,792,000 | 5,009,000 | 5,179,000 | 5,339,000 |
| Risk-weighted assets | 39,900,000 | 42,288,000 | 41,405,000 | 42,294,000 |