Call reports 2005
CITIZENS BANK OF BLYTHEDALE — 2005
What CITIZENS BANK OF BLYTHEDALE 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 | 26,104,000 | 26,626,000 | 26,082,000 | 26,454,000 |
| Total loans | 16,749,000 | 17,567,000 | 18,060,000 | 18,521,000 |
| Allowance for loan losses | 284,000 | 303,000 | 320,000 | 337,000 |
| Securities available for sale | 6,570,000 | 6,380,000 | 5,546,000 | 5,210,000 |
| Securities held to maturity | 1,481,000 | 1,379,000 | 1,352,000 | 1,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,201,000 | 20,707,000 | 19,946,000 | 20,667,000 |
| Interest-bearing deposits | 19,546,000 | 18,067,000 | 17,428,000 | 17,842,000 |
| Noninterest-bearing deposits | 2,655,000 | 2,640,000 | 2,518,000 | 2,825,000 |
| Equity capital | 3,041,000 | 2,941,000 | 2,964,000 | 2,991,000 |
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 | 378,000 | 781,000 | 1,205,000 | 1,625,000 |
| Interest expense | 104,000 | 218,000 | 347,000 | 493,000 |
| Net interest income | 274,000 | 563,000 | 858,000 | 1,132,000 |
| Noninterest income | 42,000 | 83,000 | 133,000 | 181,000 |
| Noninterest expense | 232,000 | 459,000 | 722,000 | 974,000 |
| Provision for loan losses | 0 | 19,000 | 36,000 | 53,000 |
| Pretax income | 84,000 | 168,000 | 233,000 | 286,000 |
| Income tax | 29,000 | 62,000 | 74,000 | 85,000 |
| Net income | 55,000 | 106,000 | 159,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,133,000 | 2,984,000 | 3,036,000 | 3,079,000 |
| Total capital | 3,354,000 | 3,216,000 | 3,270,000 | 3,316,000 |
| Risk-weighted assets | 17,594,000 | 18,481,000 | 18,618,000 | 18,824,000 |
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