Call reports 2004
CITIZENS STATE BANK, THE — 2004
What CITIZENS STATE BANK, THE 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 | 72,627,000 | 73,339,000 | 76,170,000 | 77,839,000 |
| Total loans | 45,207,000 | 46,942,000 | 45,600,000 | 48,430,000 |
| Allowance for loan losses | 391,000 | 382,000 | 393,000 | 390,000 |
| Securities available for sale | 20,166,000 | 19,032,000 | 19,840,000 | 17,981,000 |
| Securities held to maturity | 903,000 | 873,000 | 676,000 | 625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,429,000 | 55,185,000 | 57,678,000 | 59,366,000 |
| Interest-bearing deposits | 45,766,000 | 46,875,000 | 47,773,000 | 49,871,000 |
| Noninterest-bearing deposits | 7,663,000 | 8,310,000 | 9,905,000 | 9,495,000 |
| Equity capital | 5,314,000 | 5,160,000 | 5,370,000 | 5,397,000 |
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 | 974,000 | 1,949,000 | 2,936,000 | 3,934,000 |
| Interest expense | 331,000 | 650,000 | 975,000 | 1,314,000 |
| Net interest income | 643,000 | 1,299,000 | 1,961,000 | 2,620,000 |
| Noninterest income | 81,000 | 167,000 | 260,000 | 344,000 |
| Noninterest expense | 583,000 | 1,106,000 | 1,605,000 | 2,174,000 |
| Provision for loan losses | 27,000 | 27,000 | 38,000 | 38,000 |
| Pretax income | 114,000 | 333,000 | 578,000 | 752,000 |
| Income tax | 47,000 | 115,000 | 203,000 | 266,000 |
| Net income | 67,000 | 218,000 | 375,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,856,000 | 4,955,000 | 5,080,000 | 5,149,000 |
| Total capital | 5,247,000 | 5,337,000 | 5,473,000 | 5,539,000 |
| Risk-weighted assets | 44,401,000 | 45,705,000 | 45,482,000 | 47,894,000 |
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