Call reports 2004
CITIZENS STATE BANK — 2004
What CITIZENS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 121,824,000 | 142,691,000 | 143,789,000 | 152,290,000 |
| Total loans | 45,604,000 | 59,460,000 | 63,430,000 | 67,450,000 |
| Allowance for loan losses | 725,000 | 732,000 | 728,000 | 742,000 |
| Securities available for sale | 68,525,000 | 71,941,000 | 68,676,000 | 72,300,000 |
| Securities held to maturity | 15,000 | 15,000 | 15,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,468,000 | 122,965,000 | 125,399,000 | 133,721,000 |
| Interest-bearing deposits | 85,468,000 | 100,753,000 | 102,624,000 | 107,550,000 |
| Noninterest-bearing deposits | 16,000,000 | 22,212,000 | 22,775,000 | 26,171,000 |
| Equity capital | 12,411,000 | 13,270,000 | 14,764,000 | 14,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,460,000 | 3,179,000 | 4,997,000 | 6,888,000 |
| Interest expense | 425,000 | 916,000 | 1,434,000 | 2,004,000 |
| Net interest income | 1,035,000 | 2,263,000 | 3,563,000 | 4,884,000 |
| Noninterest income | 159,000 | 394,000 | 637,000 | 879,000 |
| Noninterest expense | 656,000 | 1,513,000 | 2,423,000 | 3,365,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 532,000 | 1,112,000 | 1,744,000 | 2,324,000 |
| Income tax | 100,000 | 212,000 | 338,000 | 443,000 |
| Net income | 432,000 | 900,000 | 1,406,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,974,000 | 10,506,000 | 10,989,000 | 11,108,000 |
| Total capital | 9,699,000 | 11,238,000 | 11,717,000 | 11,850,000 |
| Risk-weighted assets | 60,619,000 | 75,719,000 | 78,364,000 | 83,939,000 |
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