Call reports 2005
CITIZENS STATE BANK, THE — 2005
What CITIZENS STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,619,000 | 78,279,000 | 74,777,000 | 77,222,000 |
| Total loans | 47,040,000 | 50,032,000 | 47,902,000 | 52,642,000 |
| Allowance for loan losses | 391,000 | 385,000 | 411,000 | 413,000 |
| Securities available for sale | 21,348,000 | 21,277,000 | 18,885,000 | 16,844,000 |
| Securities held to maturity | 606,000 | 591,000 | 571,000 | 537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,312,000 | 56,056,000 | 57,319,000 | 59,904,000 |
| Interest-bearing deposits | 48,491,000 | 46,027,000 | 46,466,000 | 48,521,000 |
| Noninterest-bearing deposits | 9,821,000 | 10,029,000 | 10,853,000 | 11,383,000 |
| Equity capital | 5,363,000 | 5,529,000 | 5,532,000 | 5,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,005,000 | 2,070,000 | 3,178,000 | 4,255,000 |
| Interest expense | 357,000 | 743,000 | 1,173,000 | 1,605,000 |
| Net interest income | 648,000 | 1,327,000 | 2,005,000 | 2,650,000 |
| Noninterest income | 87,000 | 173,000 | 263,000 | 370,000 |
| Noninterest expense | 511,000 | 1,068,000 | 1,649,000 | 2,316,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 224,000 | 432,000 | 594,000 | 679,000 |
| Income tax | 81,000 | 156,000 | 208,000 | 247,000 |
| Net income | 143,000 | 276,000 | 386,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,251,000 | 5,340,000 | 5,408,000 | 5,413,000 |
| Total capital | 5,642,000 | 5,725,000 | 5,819,000 | 5,826,000 |
| Risk-weighted assets | 46,638,000 | 48,815,000 | 47,253,000 | 51,253,000 |
Machine access — free, no API key
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