Call reports 2004
CITIZENS STATE BANK OF LOYAL — 2004
What CITIZENS STATE BANK OF LOYAL 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 | 97,680,000 | 98,353,000 | 97,488,000 | 101,151,000 |
| Total loans | 68,723,000 | 69,489,000 | 70,192,000 | 72,203,000 |
| Allowance for loan losses | 786,000 | 832,000 | 879,000 | 914,000 |
| Securities available for sale | 18,600,000 | 17,800,000 | 17,597,000 | 17,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,682,000 | 74,047,000 | 71,648,000 | 75,814,000 |
| Interest-bearing deposits | 64,336,000 | 64,706,000 | 62,618,000 | 64,913,000 |
| Noninterest-bearing deposits | 8,346,000 | 9,341,000 | 9,030,000 | 10,901,000 |
| Equity capital | 10,247,000 | 9,962,000 | 10,256,000 | 10,228,000 |
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 | 1,280,000 | 2,569,000 | 3,876,000 | 5,205,000 |
| Interest expense | 477,000 | 950,000 | 1,444,000 | 1,960,000 |
| Net interest income | 803,000 | 1,619,000 | 2,432,000 | 3,245,000 |
| Noninterest income | 189,000 | 320,000 | 426,000 | 572,000 |
| Noninterest expense | 643,000 | 1,243,000 | 1,870,000 | 2,514,000 |
| Provision for loan losses | 45,000 | 105,000 | 150,000 | 180,000 |
| Pretax income | 304,000 | 591,000 | 838,000 | 1,123,000 |
| Income tax | 48,000 | 143,000 | 207,000 | 239,000 |
| Net income | 256,000 | 448,000 | 631,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,809,000 | 9,801,000 | 9,984,000 | 10,037,000 |
| Total capital | 10,595,000 | 10,633,000 | 10,863,000 | 10,951,000 |
| Risk-weighted assets | 70,801,000 | 72,016,000 | 70,540,000 | 73,114,000 |
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