Call reports 2004
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2004
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 41,774,000 | 40,944,000 | 41,386,000 | 40,913,000 |
| Total loans | 25,853,000 | 26,087,000 | 27,096,000 | 28,822,000 |
| Allowance for loan losses | 351,000 | 338,000 | 354,000 | 356,000 |
| Securities available for sale | 2,512,000 | 2,420,000 | 2,469,000 | 1,906,000 |
| Securities held to maturity | 4,010,000 | 5,435,000 | 5,282,000 | 4,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,097,000 | 35,231,000 | 35,404,000 | 34,827,000 |
| Interest-bearing deposits | 30,923,000 | 30,069,000 | 29,148,000 | 29,406,000 |
| Noninterest-bearing deposits | 5,174,000 | 5,162,000 | 6,256,000 | 5,421,000 |
| Equity capital | 5,482,000 | 5,464,000 | 5,684,000 | 5,922,000 |
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 | 654,000 | 1,306,000 | 1,980,000 | 2,680,000 |
| Interest expense | 162,000 | 322,000 | 480,000 | 639,000 |
| Net interest income | 492,000 | 984,000 | 1,500,000 | 2,041,000 |
| Noninterest income | 80,000 | 181,000 | 263,000 | 351,000 |
| Noninterest expense | 312,000 | 633,000 | 951,000 | 1,297,000 |
| Provision for loan losses | 30,000 | 70,000 | 100,000 | 135,000 |
| Pretax income | 230,000 | 462,000 | 712,000 | 960,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 230,000 | 462,000 | 712,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,416,000 | 5,488,000 | 5,658,000 | 5,906,000 |
| Total capital | 5,762,000 | 5,826,000 | 6,012,000 | 6,262,000 |
| Risk-weighted assets | 27,668,000 | 28,130,000 | 28,733,000 | 29,460,000 |
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