Call reports 2005
CITIZENS STATE BANK OF TAYLOR COUNTY, THE — 2005
What CITIZENS STATE BANK OF TAYLOR COUNTY, 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 | 42,783,000 | 43,460,000 | 42,702,000 | 45,889,000 |
| Total loans | 29,569,000 | 30,380,000 | 30,798,000 | 31,051,000 |
| Allowance for loan losses | 382,000 | 377,000 | 440,000 | 436,000 |
| Securities available for sale | 1,367,000 | 1,378,000 | 1,371,000 | 1,851,000 |
| Securities held to maturity | 4,908,000 | 4,899,000 | 4,048,000 | 3,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,565,000 | 37,145,000 | 36,248,000 | 39,283,000 |
| Interest-bearing deposits | 29,657,000 | 30,085,000 | 30,918,000 | 30,596,000 |
| Noninterest-bearing deposits | 6,908,000 | 7,060,000 | 5,329,000 | 8,687,000 |
| Equity capital | 6,024,000 | 6,044,000 | 6,131,000 | 6,396,000 |
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 | 707,000 | 1,447,000 | 2,220,000 | 3,038,000 |
| Interest expense | 162,000 | 332,000 | 522,000 | 734,000 |
| Net interest income | 545,000 | 1,115,000 | 1,698,000 | 2,304,000 |
| Noninterest income | 92,000 | 182,000 | 267,000 | 351,000 |
| Noninterest expense | 324,000 | 646,000 | 972,000 | 1,349,000 |
| Provision for loan losses | 30,000 | 60,000 | 160,000 | 190,000 |
| Pretax income | 283,000 | 591,000 | 833,000 | 1,116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 283,000 | 591,000 | 833,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,038,000 | 6,046,000 | 6,138,000 | 6,422,000 |
| Total capital | 6,419,000 | 6,423,000 | 6,524,000 | 6,815,000 |
| Risk-weighted assets | 30,459,000 | 30,852,000 | 30,794,000 | 31,410,000 |
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