Call reports 2005
CITIZENS STATE BANK OF HAYFIELD — 2005
What CITIZENS STATE BANK OF HAYFIELD 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 | 48,773,000 | 51,543,000 | 50,135,000 | 52,520,000 |
| Total loans | 41,968,000 | 43,553,000 | 43,054,000 | 42,090,000 |
| Allowance for loan losses | 360,000 | 363,000 | 367,000 | 363,000 |
| Securities available for sale | 2,748,000 | 2,514,000 | 2,372,000 | 2,275,000 |
| Securities held to maturity | 290,000 | 290,000 | 290,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,087,000 | 44,705,000 | 42,133,000 | 45,973,000 |
| Interest-bearing deposits | 35,722,000 | 38,132,000 | 35,970,000 | 37,204,000 |
| Noninterest-bearing deposits | 6,365,000 | 6,573,000 | 6,163,000 | 8,769,000 |
| Equity capital | 4,010,000 | 4,152,000 | 4,286,000 | 4,362,000 |
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 | 732,000 | 1,531,000 | 2,346,000 | 3,181,000 |
| Interest expense | 198,000 | 407,000 | 628,000 | 870,000 |
| Net interest income | 534,000 | 1,124,000 | 1,718,000 | 2,311,000 |
| Noninterest income | 87,000 | 182,000 | 275,000 | 380,000 |
| Noninterest expense | 417,000 | 842,000 | 1,258,000 | 1,752,000 |
| Provision for loan losses | 6,000 | 12,000 | 19,000 | 28,000 |
| Pretax income | 199,000 | 453,000 | 717,000 | 912,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 198,000 | 452,000 | 716,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,068,000 | 4,181,000 | 4,334,000 | 4,418,000 |
| Total capital | 4,428,000 | 4,544,000 | 4,701,000 | 4,781,000 |
| Risk-weighted assets | 41,926,000 | 43,623,000 | 42,935,000 | 42,666,000 |
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