Call reports 2005
CITIZENS STATE BANK OF LOYAL — 2005
What CITIZENS STATE BANK OF LOYAL 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 | 101,144,000 | 103,215,000 | 102,222,000 | 106,424,000 |
| Total loans | 73,064,000 | 72,630,000 | 73,978,000 | 74,925,000 |
| Allowance for loan losses | 937,000 | 972,000 | 993,000 | 1,024,000 |
| Securities available for sale | 17,498,000 | 17,611,000 | 18,019,000 | 18,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,919,000 | 77,778,000 | 77,792,000 | 79,641,000 |
| Interest-bearing deposits | 66,609,000 | 67,486,000 | 67,048,000 | 67,610,000 |
| Noninterest-bearing deposits | 9,310,000 | 10,292,000 | 10,744,000 | 12,031,000 |
| Equity capital | 10,463,000 | 10,535,000 | 10,718,000 | 10,690,000 |
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 | 1,341,000 | 2,773,000 | 4,211,000 | 5,757,000 |
| Interest expense | 544,000 | 1,130,000 | 1,738,000 | 2,393,000 |
| Net interest income | 797,000 | 1,643,000 | 2,473,000 | 3,364,000 |
| Noninterest income | 285,000 | 447,000 | 603,000 | 763,000 |
| Noninterest expense | 654,000 | 1,329,000 | 1,987,000 | 2,703,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 398,000 | 701,000 | 999,000 | 1,304,000 |
| Income tax | 105,000 | 179,000 | 248,000 | 300,000 |
| Net income | 293,000 | 522,000 | 751,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,331,000 | 10,359,000 | 10,588,000 | 10,642,000 |
| Total capital | 11,267,000 | 11,309,000 | 11,558,000 | 11,633,000 |
| Risk-weighted assets | 74,883,000 | 75,954,000 | 77,549,000 | 79,261,000 |
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