Call reports 2005
CITIZENS STATE BANK AND TRUST COMPANY, THE — 2005
What CITIZENS STATE BANK AND TRUST COMPANY, 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 | 8,366,000 | 7,480,000 | 7,297,000 | 7,338,000 |
| Total loans | 3,510,000 | 3,805,000 | 4,082,000 | 4,169,000 |
| Allowance for loan losses | 52,000 | 52,000 | 52,000 | 52,000 |
| Securities available for sale | 1,640,000 | 2,001,000 | 2,098,000 | 1,843,000 |
| Securities held to maturity | 16,000 | 16,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,500,000 | 6,588,000 | 6,392,000 | 6,416,000 |
| Interest-bearing deposits | 6,141,000 | 5,819,000 | 5,633,000 | 3,459,000 |
| Noninterest-bearing deposits | 1,359,000 | 770,000 | 759,000 | 2,957,000 |
| Equity capital | 855,000 | 883,000 | 889,000 | 908,000 |
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 | 82,000 | 173,000 | 269,000 | 367,000 |
| Interest expense | 12,000 | 25,000 | 39,000 | 54,000 |
| Net interest income | 70,000 | 148,000 | 230,000 | 313,000 |
| Noninterest income | 14,000 | 23,000 | 37,000 | 50,000 |
| Noninterest expense | 67,000 | 134,000 | 203,000 | 279,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 37,000 | 64,000 | 84,000 |
| Income tax | 0 | 1,000 | 15,000 | 16,000 |
| Net income | 17,000 | 36,000 | 49,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 872,000 | 891,000 | 904,000 | 931,000 |
| Total capital | 924,000 | 943,000 | 956,000 | 983,000 |
| Risk-weighted assets | 4,384,000 | 4,433,000 | 4,609,000 | 4,714,000 |
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